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Originally Posted by NJblue
Some, like Fross and Fross, will give you one of their associates to work with if your assets under management do not meet the threshold the the Fross brothers demand for their attention.
We met with F&F as well as Cebert and, while somewhat impressed, came away disillusioned with the heavy amount of variable annuities that both firms recommended. Perhaps they are right for some people or perhaps my evaluation of them is wrong, but I think that VAs are not the best investments. They do generate large commisions for those that sell them, however.
What made me suspicious of Cebert is that when they show you "actual numbers" of how an annuity would have faired in a specific period of time, the numbers looked fantastic. However, when I asked them to run a different time period, they said they would and would get back to me with the results. They never called back.
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Several years ago when we were considering financial advisors one of the most important things for us was that we both felt comfortable with the person and firm before moving forward. We've been with our final decision for 5 years with no major compaints to date.