@qbteachmt 

A 5 year analysis is only the start. If you are close to RMD age, then you have a different analysis than someone who is 30 or 40 or 60.

No, you can carry it out 10 or 20 or 30 years and the math works the same.  Or maybe you're saying that if I am at RMD age, I should take into account having to pay tax on $50 or $60 of my $1,000 every year.  Where is the breakeven point, age 90?

If you listen to Dave Ramsey, he clearly explains. . .

You can actually listen to Dave Ramsey? I won’t hold his 1988 bankruptcy against him, but he’ll clearly explain why anyone should patronize the advertisers who pay him for endorsements.

As for fees, it really depends. We work self-directed for all accounts. If you use a fee broker, you likely use them for any account type, so there is no difference to their fee.

The fee is not a percentage of the account value? The millionaire pays the same as the college kid who inherited $10,000? Socialism, I tell you. Socialism.