I met with a Fidelity Financial Planning Consultant after rolling over my 401k. I do not have much investment experience or the time to mange my own portfolio. I went into the Portfolio Advisory Services and have been thrilled with the performance price, and updates. Knowing that my portfolio is being rebalanced and watched over by professionals is well worth the .87% fee I pay annually. I know that research Fidelity has will get me an extra .87% more than I could do on my own.