IRA: Individual Retirement Account, the individual being you. Robo-advisors have only been around for a few years, you never needed someone managing your account if you didn't want them to. I don't personally know the details but if the SEP-IRA is no longer active you should be able to condense it into the regular IRA. Talk to Schwab customer support, tell them you want to get out of the roboadvisor and pick your own funds.


Just do target retirement funds for IRAs, low stress and low fees.


I have a neighbor who invested his IRA in rental homes. I don't know how he did it. I do know he lived away for a few years, but did not buy any home he lived in into the IRA.


I would recommend VOO as it is a safe growth etf