Fees will kill you over 35-40 years. The second reference shows a great table - a 1.5% fee over 40 years will rob your retirement portfolio of 45% potential growth! Add on another 30 years of retirement paying 1.5% and you are down by 65%!! Look into doing it yourself with a Boglehead 3 fund portfolio.

• A 1% fee can cost millennials up to $590,000 in retirement savings https://www.nerdwallet.com/blog/investing/millennial-retirement-fees-one-percent-half-million-savings-impact/
• Boglehead’s excellent table showing how much fees decrease your nest egg https://www.bogleheads.org/wiki/How_much_do_you_lose_to_annual_fees_after_many_years%3F