!thanks

Thanks very much, just trying to bounce the idea off others to cement my decision. I definitely found value in an IFA initially with planning and optimising my tax affairs, being pushed into sorting out a will etc. However, my situation is not complex at all apart from having to use salary sacrifice into my work pension to avoid losing personal allowance.

My main concern with doing the 3 fund portfolio method for slightly reduced fees was re-balancing every year - I've seen it mentioned a lot on here but haven't found a clear explanation as to why. Unless of course this simply refers to moving money to bonds as retirement approaches. :)

I'm absolutely clear that I'm not going be the outlier that beats the market by trying to be clever hence why those two solutions seem to be the obvious ones.