[TiểuHồLy]

Yes, always self-managed all accounts even rental and doing tax return. I refuse to have someone to do for a fee. That's what you educated for.

Not sure about pros and cons:
-cons: pay fee + % of gain (stock up) , pay fee + loss (stock down)
--If you think they manage and never negative your account, then they won't do this job. They can be millionaire.
--They're millionaire because they make money from you

-pros: they find the funds for you. However, when the market down, you loss too. That's what happen to my cousin that let them to manage his account. It's no exception, they can't predict the future.

Everyone would gain a lot if they join 10 years ago whatever funds they got in. Any funds you get in for the last 2 years may not gain much as you have seen the market up/down. Those of my funds have over 50% gain because it was in before 2018. Anything I am in after 2019, I would say 3% or get even.

For example of my 401k, my check contribute on first of the month and I realize that the first of the month, the market always up. Then it's down after that. So the last 2-3 years, my 401k wasn't gain much except the big gain was the funds from the last 17 years. This is my last year of contribution so I crack up $61k total for Roth 401k and 457b, then keep it until they force me to take out since it's after tax, otherwise, I don't really the cash. This is the reason I don't want to pay fee for someone to manage my account. It's kinda ridiculous.  

You sound like a financial advisor, eh? Thanks again, bro!  I am learning and pleased to have our conversations continuing. 

I did try to manage the investments by myself after researching. Perhaps I lack experience and do not have expert predictions of the stock market; thus, it came out not as prosperous as I thought but as headaches and a waste of time. The SEP-IRA just got back on track; after a thorough calculation, I realized that the gaining percentage wasn't alarming. I am also doing my tax returns and will bring the civil complaint to the superior court for persuasion and verdict to the plaintiff (for arguing practice). 
Kindly guide me on self-managing the rental property at your convenience, bro. I appreciate it!