Two Words that should strike fear

Two words that should strike fear in your heart, two words that will result in an uncontrolled rectal bleed for the average investor.

Word One: Fidelity (A non-profit entity? (investors and customers yes, owners NO)

Word Two: Smart-Beta (Unicorns are down in the pasture and they are saddled and ready to ride, do not worry they are gentle.)

Note: contact was loss due to possible conflict of interest with my wife's position (did not want that kind of crap, but that is changing)

We PCS in 26 Days, We retire in 26 Days.  We are west bound and down.