TL;DR imho, replace advisors with VTSAX. It would simplify things and they (Vanguard) provide a nice PAL (pledged asset line) against it, I heard.
Fuck that. QQQ is a better performer.
Not in the last 12 mo and not in 19 years out of the last 22 (QQQ did better in the last three).
Intelligent portfolios-that is something interesting as long as it is all passive.
If there is an active manager? I would never be in, if there are those, though.
Well, well, upon looking it is a too broad (51!) ETF portfolio that is selected by schwab managers, so nope for me.
Long term, they would screw it up, no doubt.
IMHO