Have 6 years of investing experience, Currently have Fidelity account. Half is managed by Fidelity in their most conservative portfolio. I manage the other half and for the last two years have beaten the them by 2%. I am an AAII member and have gotten great information and advice. Seeking Alpha has given me many investing ideals as well. Bottom line is I have 5% more than when I retired and that taking 4% annual withdrawals.