I like the Fisher Investments commercials where they say "we do better when you do better". True, but they still get the same percentage of your portfolio even when you lose money. I have never paid anyone for financial advice, except for the built in management fees in a no load mutual fund, called the expense ratio. Vanguard Investments has the lowest expense ratios for almost all mutual fund companies. By the way, when you read the prospectus for a fund, the expense ratio must be listed on the first page or two of the document. Also, look for 12b1 fees, which are fees charged to the fund to advertise the fund. I prefer funds that do not have any 12b1 fees, and also don't have a load fee, which is a fee to buy shares in the fund. I don't see any reason to pay these fees.
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