Vanguard Retirement Advice vs. Kirk's Newsletter: A Testimonial

All of the core funds in my newsletter are low cost index funds from Vanguard.  
Currently I recommend six different funds for both my "Aggressive Core Portfolio" and my "Conservative Core Portfolio."  Here is an email I got out of the blue from a subscriber who has been with me for many years and gave me permission to use his note.

On 6/6/2016 5:14 PM, Tom H. wrote:

Hi Kirk,

   I thought I would share a conversation with a Vanguard advisor on Friday and for the first time ever I felt like I was being sold.  They “offered” a service that has a name which I can’t recall but basically they would advise and monitor and discuss with me on a quarterly basis my investment portfolio.  I’m sure they would be helpful but for a guy who has mostly done all his own homework or more recently relied on your newsletter it felt like a lot of $.  I believe the cost is .30 or $3,000 per million annually.  On a percentage basis it doesn’t sound like a lot but compared to your newsletter and a long time investor who has gained a lot of knowledge I felt sticker shocked.  I guess what I’m saying is your newsletter is a bargain 

    I’d also like to ask why you don’t just throw all your international into the total international stock rather than sector it. ......  Thanks.

Tom

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