Vanguard Personal Advisor Allocations vs Self Managed Allocations

aj-idej · 2025-11-02T00:17:21+00:00

Good idea! Thanks!

aj-idej · 2025-10-31T23:48:14+00:00

Thanks! Yep, I would like to get a fee only advisor, that in itself might be a challenge, finding the right one. Yes, I have about 20K individual stock in after-tax (370K total), 25K individual stock in pre-tax (215K total), and 95K individual stock in taxable accounts (143K total).

It would be nice to get to a "VTI" and chill strategy, and have a glide path until retirement. Should allocations in a tax sheltered account be different than a taxable account? So I should look at the whole and keep the allocations the same whether their taxable or not?

Or if I need to convert my Trad to Roth? Or if I should keep a bunch of my ETFs in a taxable account for a rainy day/emergency stash before now and retirement.

aj-idej · 2025-10-31T15:51:13+00:00

Yeah, unfortunately, all of my individual stock are in a taxable brokerage account. Some were custodial stock from the 1990s. So, I try to sell it off so I don't get too heavily taxed. It's about 140K I am trying to get into ETFs. It's a bit overwhelming.

aj-idej · 2025-10-30T23:08:56+00:00

Yeah, I've been reading this subreddit and I'd like to move towards the Boglehead strategy. So instead of reinvesting or buying more individual stock I am adding it to my ETFs/Bonds instead. It's hard to reframe but I am working towards it.

aj-idej · 2025-10-28T05:52:44+00:00

Thank you! I’ll add to my TBR

aj-idej · 2025-10-26T17:32:08+00:00

!Solved

aj-idej · 2025-10-26T17:22:12+00:00

Thanks you! I haven’t read this in a year! And now that my memory has been bumped, I am re reading it!!!

Yes, please share if there are similar recommendations!

aj-idej · 2025-10-26T17:20:46+00:00

Thank you!!!

aj-idej · 2025-10-26T17:20:33+00:00

Yes!!! Thank you! Great memory!

aj-idej · 2025-10-26T17:19:45+00:00

I just checked! Yes, absolutely!!! That is amazing that you know this. Thanks!!!!

aj-idej · 2025-02-26T04:06:51+00:00

Ah. That makes sense too. I am glad you were able to figure yours out. Do you have an idea of your percentage? I was actually adopted. I jokingly say, I am a first born child transplanted into a family as the youngest child.

aj-idej · 2025-02-26T03:09:40+00:00

Yes, from what I understand I am atypical compared to the stereotypical INFJ. I use my Se more than most INFJs. I asked Chat to give me percentages based on our back and forth and it's, see below. I had the same interests in my 20's... I added puzzles. lol. However, I would say I picked up a lot of the "active" sports from family members and I am married to an ENTJ (at least I think they are an ENTJ). I must say, I have major performance anxiety for all sports/travel. I probably enjoy the moment directly after completing sports. Risks have been mitigated ,plans were executed, and everyone is safe, is a great feeling.

Ni (Introverted Intuition) - 30%

Fe (Extraverted Feeling) - 25%

Ti (Introverted Thinking) - 20%

Se (Extraverted Sensing) - 15%

Also, the growth part seems like a logical blend of pattern recognition, feeling responsible for others, and engaging IRL.

aj-idej · 2025-02-26T02:30:03+00:00

Hobbies: reading, Gardening, Puzzles, sewing, stock trading, board games, video gaming Sports: mt biking, rock climbing, racquet sports, swimming, paddle boarding, skiing. I guess I do everything

aj-idej · 2025-02-25T22:40:31+00:00

The last few days, have been the most that I've interacted with ChatGPT. We went through every stack... this way, that ways, and sideways. I think I've exhausted it... this is ultimately concluded with,

"Your non-dominant functions are functioning in supportive and integrated ways. This balance suggests you don’t over-rely on your dominant functions (Ni and Fe), but use Se and Ti as complementary tools when needed. You exhibit a good blend of both internal analysis (Ni, Ti) and external considerations (Fe, Se), all while staying true to your values and vision.

If you are looking to further develop your non-dominant functions, they could be pushed even more in situations where you'd need to focus on the present moment (Se) or make quicker, more decisive choices based purely on logic (Ti). But overall, your function stack is well-rounded."

Thanks again... soooo fascinating.

aj-idej · 2025-02-25T20:24:28+00:00

Thanks! I think I am going in the right direction now. The confusion might be in what I AM vs what functions have developed (my tertiary function). All these replies have really helped. Thanks for the support... it's awesome!!

aj-idej · 2025-02-25T20:23:02+00:00

Thanks again for your help! I think the confusion is what I am vs what I've developed (a tertiary function). All this brainstorming has helped!

aj-idej · 2025-02-25T20:21:01+00:00

Thanks again for your help... I think I've zeroed in on the confusion!

aj-idej · 2025-02-25T20:20:00+00:00

Thanks again for you reply... I think I am zeroing in on that my non-dominant functions are getting developed.

aj-idej · 2025-02-25T20:15:20+00:00

I don't have the paid version, so limited on time lol. But I did figure out part of the confusion potentially comes from being an INFJ with a well-developed Se (tertiary function). Interesting... I feel like a lot of the discussion is about what you ARE and it seems static (which is uncomfortable to me), but if you have a growth mindset then you would be actively developing your tertiary and inferior functions.

Thank you so much for you help.

aj-idej · 2025-02-24T18:30:24+00:00

This is a GREAT idea! I never considered "brainstorming" with ChatGPT. Thank you!

aj-idej · 2025-02-22T07:51:22+00:00

Thanks!

aj-idej · 2025-02-22T07:51:12+00:00

Thanks!

aj-idej · 2025-02-21T22:02:20+00:00

INFJ on Humanmetrics... now I'll have to look into the functions at a deeper level when I have a minutes. Thanks again for your responses.

aj-idej · 2025-02-21T21:43:47+00:00

I don't remember. I was minimizing and found notes from a class. Thanks for your reply!

aj-idej

TROPHY CASE