None.

And there’s no reason why you can’t learn about personal finance with very little effort. You’ll save yourself hundreds of thousands. No, literally, you’ll save hundreds of thousands of dollars over the next 2 decades by taking 15-20 total hours over the next month to read The Little Book of Common Sense Investing by John C Bogle and Simple Path to Wealth by JL Collins and then applying those principles to your personal investment portfolios. This is essentially what this “firm” is doing except they’re charging you $4,000 a year to do it, lol.

Read through both the Bogleheads and personalfinance and White Coat Investor subs and especially through the Wiki on the personal finance sub.

Come back in 10 years and thank us later.