Well, I think you may have a few things confused. And ETF by definition is a fixed portfolio of stocks or bonds, and does not get "rebalanced". Are you thinking of a "target date" fund that adjusts as you draw closer to retirement? Even for that kind of investment, I think you are really too close to retirement to benefit from that kind of advice. Where did you transfer your IRA money? Was it to a place like Fidelity or Vanguard or T. Rowe Price? If not, I suggest you do a DIRECT ROLLOVER to one of these firms. They will handle all the paperwork, so there are no tax implications. And they are set up to give you free advice about investments and in a few years about withdrawals -- and all at the lowest cost!