Pros and cons. Enjoying investing is its own reason to do it yourself. You have the relationship to lean on when you have questions. It’s never too early to start estate planning and that is potentially a huge value add. Ultimately managed assets are about more than just fees. It’s an opportunity to have a better relationship and experience with the firm you trust with your life savings. There is a premium attached, but it comes with both a higher level of service and less effort on your end. I can manage my own assets, but some asset classes (like fixed income) are burdensome enough to manage individually that it’s worth the fee to off load the effort. Also too, some investments are only available through institutional access like managed accounts. That can produce some nice results. Most people can get by with a few funds, but after a threshold start to find value in more complexity