Yes, we often do for folks that are busy with work, life and kids, or those that just don’t have the expertise or don’t want to deal with it. For those that want to learn and take the wheel, we teach them as we make decisions until they’re comfortable.
While we’re managing the investments, we’re always watching for strategic opportunities to change asset allocation, change from TIPS to regular bonds or treasuries depending on inflation forecasts, make sure to use the proper type of bond funds for the current interest environment, and make any moves that will be tax-advantageous, such as Roth conversion, gain/loss harvesting, and asset location. Of course, we do these things only after having discussed with clients and getting their buy-in.
Also, we do a free annual retirement plan update at the beginning of each year for clients. It’s their detailed step-by-step roadmap for retirement, whether it’s traditional or early/FIRE.