Self Allocated VS. Managed

[Armand P.]

Hello-

I met with a Financial Advisor from Fidelity to go over my retirement accounts. Currently, I have a Roth IRA (that I contribute monthly) and a 401K with my current employer (company matchs up to 5%). I will be transitioning to a new company and they currently do not offer company matching. I have a few options:

1) I can leave the 401K with old employer as is and not do anything

2) I can roll it over to an IRA and have more investment options to choose from (per FA)

3) I can move it to new employer and contribute more into it each pay

Currently, I am in a self allocated portfolio which means that my $ is tied to a fund that starts off aggressive and moves towards conservative based on my expected retirement age. The FA suggested I consider having a Managed Account where account managers do the research and do a 85/15 allocation (85% equities and 15% fixed).

This is my future so I want to make sure that I am in the best position to capture the highs and minimize as much risk as possible.

If someone can provide me with insight and guidance I would greatly appreciate it.

Thanks!

Armand.