I wouldn’t work with an independent broker because if they do anything fraudulent there’s no oversight and there is no one to repay you if your broker goes to prison. Look at Bernie Madoff he was a Fiduciary who stole millions from people and their was no one watching over him or backing him up when it was discovered. Go with a big company like Edward Jones, Fidelity, Vanguard and they have compliance officers watching for unscrupulous transactions and as someone said earlier when a mistake was made Edward Jones made sure he didn’t lose any money.
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