u/Investnew

Just wasn’t thinking and quickly snagged tickets at the back of section 304 on ticketmaster map view. I didn’t realize until after they are “WC” row. However, there was no designation these where accessible or wheelchair. Just a regular blue dot. No warning.

After the mistake, I clicked through some other nights at the venue and found that sometimes it shows it with a blue wheelchair icon and calls out that it’s “wheelchair accessible” or “semi-ambulatory seat”, but other nights it’s just a regular blue dot with no call-out other than “lower gallery seating”

Any idea if that’s a system error or just depends on ticket sales (my tickets are mid-week in June with tons of availability)? Should I let them know about the mistake ? Side note, we are taking our 4 year old (he’s been to 20+ concerts) so easy access in/out probably is preferable if this isn’t an issue. I have heard the regular sphere seats shake or have speakers built into them or something. I assume these would just be folding chairs ?

This might not be the perfect sub for this, but I'm hoping to get some general advice related to my situation.

On a personal level, early 40s married with 1 kid. I was mostly doing a basic 3 fund type of thing just heavily invested in low-fee total market ETFs. We have about 1 mil equity in our house, about 1.3 mil in taxable brokerage accounts and about 700k in retirement accounts. Only my wife is working currently so our combined income about 150k annually.

Where things got a little more complicated is my grandmother named me trustee of her estate toward the end of her life. Now I'm lone trustee managing it on behalf of my disabled mother. Grandma had about 1 mil in taxable brokerage and a house that was worth around 3 mil.

Once Grandma died, I sold the house in 2024 and really didn't want to screw up the investing 3 mil into the market, so I settled on working with one of the advisors through Fidelity.

Side note, there is no other immediate family. I'm the lone trustee and my disabled mother (68 with M.S and dementia) is the lone beneficiary, but because she never directly controlled those assets, it didn't count for the purpose of medicaid eligibility and her needs are mostly covered by the program with the trust only covering her supplemental needs. The assets remain there for her benefit if something changes with medicaid and I need to tap into them for her, but for the most part the objective is growth. When she passes, the assets would go to me as the lone beneficiary.

Fidelity set me up with what is mostly an SMA. I had read the criticisms, but liked the idea of the next-level tax loss harvesting approach of having like 500 individual assets and monthly rebalancing. And to be honest, I don't regret this decision. In 2024 it harvested 68k in losses. In 2025 (in part because of the March-April tariff drop), it harvested 260k in losses. But the account itself has only grown. Up from 3 mil to 4 mil. Sitting on 1 mil in gains, but I have the 328k in losses that have carried over.

I also had moved a big chunk of my personal assets into a managed account set up similarly, because I knew I was going to have some large cap gains and wanted to harvest as much loss as possible to counter it (harvested loss of 16k in 2024 and 25k in 2025 countering the gains while overall account has outpaced S&P).

I'd say it all worked as intended in the short-term. There is now around 1 mil in my personal managed account and 4 mil in the trust managed account.

Generally, I don't have any major complaints about my experience with Fidelity thus far. I would say I have some decent investment knowledge, but given I have a fiduciary duty to manage those trust assets as well as possible on my mother's behalf, I definitely felt like this was a situation where having an advisor in the mix was the right move.

However, my Fidelity advisor abruptly left the company so I'm sort of re-evaluating everything. A few things are giving me pause.

1 - Fidelity's fee tiers range from 0.5-1.25% with my personal account taking the higher fees (1.17%) and the trust account taking the lower (0.87%), but this does add up.

2 - Because the market has continued to go up (knock on wood), most of the underlying positions have significant gains baked into them and there's almost nothing left to actually loss harvest. I understood this was always going to be diminishing returns, but it's happened quicker than I expected.

3 - Some of the positions seem like they could just be moved in-kind to a self-directed account. For example, the NVDA, AAPL, AMZN, MSFT and GOOGL positions alone combine for 500k with major gains baked into them. Seems silly to leave those in a managed account generating 0.87% in fees.

4 - It seems mostly like a glorified robo advisor where a back office oversees an automated system set to my specifications/risk tollerance, but the actual cadence by which these accounts rebalance is monthly and isn't very proactive. So for instance, it will sell losers on March 3rd while buying similar (coke vs pepsi) to keep exposure to that market, but to avoid wash sales it's only happening once per month with it doing it's thing again early April. The problem, potentially, is that if there's a sudden dip mid-month and quick recovery days later it's not going to proactively sell. This wasn't an issue during the tariff thing, because the dip/recovery perfectly aligned with the beginning of the month.

5 - I'm seeing things like Wealthfront that has a S&P 500 direct indexing product (robo advisor buying individual assets mirroring the S&P) which seems to suggest it updates on a greater cadence and only charges 0.09% fees. That seems to cover the main draw of that SMA, but for far less fees.

Beyond that, I did have a good experience with that Fidelity advisor and they helped me model out various things and generally give valued advice. That advisor is now at a new fee-only wealth management firm and I was going to speak with them. I also have a meeting to talk to their replacement at Fidelity. Separately, to the 4 mil managed trust assets with Fidelity, I had about 2 mil with Wells Fargo I kept with my grandmother's old advisor, but I recently moved that temporarily to JP Morgan to qualify for a relationship discount on a mortgage refinance so I'm debating what to do long-term with those assets as well.

Big picture I just wanted to sort of sanity check what I'm doing and seeing if anyone had broad advice. I've wondered if I should start unwinding that SMA a bit and maybe selling some assets (taking advantage of the loss carry over) while moving some in-kind to self-directed. Maybe simplifying the portfolio. Maybe trying to negotiate lower fees with a fee-only advisor to help oversee what I'm doing? Any thoughts would be appreciated.

Recap:

- Personal assets = 1 mil in managed account, 300k in unmanaged, 600k in retirement accounts, 1 mil equity in house

- Trustee of family trust = 4 mil in managed account, 2 mil in unmanaged account