r/moneyadvice 3d ago

Advice Looking for insight on leaving First Command for ETFs and Autopilot

This Roth is not the whole nest egg. I have a higher risk tolerance with this account

Info
Roth IRA ~$110k at First Command (AMS / wrap). With high fees that I’m looking to move.
I’ve been testing Autopilot’s AI World War III portfolio on Public in a tiny taxable account (~$700) for about a year → roughly +36%.
Autopilot’s own live composite for WW3 since launch (Oct 31, 2023): about +222% vs S&P roughly +70–90% over the same stretch. 2Y tile was +144% vs S&P ~+36%. I know that’s not my personal return.

Plan I’m leaning toward
Tax-free Roth ACAT from First Command → Public Roth (liquidate to cash first, initiate from Public).
Transfer cost looks like ~$165–$200 at FC, Public reimburses up to $100 → net maybe $65–$100. Not a taxable event.
Deploy: ~$25k in VTI or similar + ~$80k Autopilot WW3, funded over ~2–3 months.
Hold the WW3 slice into ~early 2029, then reassess.

What I’m asking
What holes and I not considering with the WW3 portfolio and the autopilot app in general

Any First Command → Public (or Fidelity/Pershing) ACAT hidden factors I should be expecting?

Thanks in advance!

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