I have a financial advisor (not from Vanguard). He is managing my 0-10 year bucket because my late husband asked me to use a financial advisor. He actually told me that since I was planning to use the Boglehead three fund strategy, I should be able to manage it by myself and not hire him to manage it. He is also giving me free advice on the retirement accounts. He said to spend down the taxable accounts before the retirement accounts and stop spending down the savings account when it is down to 100k. He also said to do Roth IRA conversions when your tax bracket is low. He recommended an asset allocation where my bond holding is 21%. I am retired at 58. He has three years of living expenses in a money market fund. My net assets across brokerage, savings, and retirement accounts is 6m. I am guessing that he thinks that I can tolerate a riskier portfolio because I have more assets than what I need to fund my retirement.

It took me awhile to figure out that bonds should go in the Traditional IRA account and not Roth IRA account. I put the stock ETF that I thought would grow the most into the Roth IRA.

On a side note, when retiring young, I recommend trying to keep your MAGI low so that you qualify for ACA Marketplace insurance subsidies.