Question: I’m 45 and leaving my current job to go back to school. I plan on rolling my 401(k) into an IRA. An adviser has suggested I use a managed fund program to invest my IRA money at a cost of 1.5% a year. But I wonder whether I would be better off just investing my IRA in no-load mutual funds that I choose. What questions should I be asking myself and what should I be asking the adviser to make this decision? — Suzie Q., Charlotte, N.C.
Investing with a pro or going it alone
