No Need to Overpay

Don gets a call from a fund salesman and discovers yet another overpriced mutual fund. This ESG fund costs six times more than a well-diversified fund from DFA. Environmental investing doesn't have to be expensive.

Plus, do you own your stocks or does Cede & Company? This is not some wacky conspiracy theory.

Following Paul Merriman's advice has led to mediocre returns. Should any changes be made?

Finally, a listener is looking for the right balance between tax-deferred and tax-free retirement portfolios.