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Subject:  Re: Loaded Funds, IRA Date:  2/20/2011  9:53 AM
Author:  HELJinCT Number:  68497 of 78166

OK, you have all scared the pants off of me, and I was already jittery about this.

The thing is, I don't have the time to read up on 3-4 books immediately, but I do want to move in that direction where I am managing my own finances.

Right now I have a ton going on, so reading up will take me a little time, a night here, a night there, etc.

In the interim, what can I do and what are the risks?

If I literally call this guy, who now has my check in the mail to him, and I have already signed a Merrill Lynch client agreement form, what are the ramifications of saying "I changed my mind, I want to roll my money to Vanguard instead so I can invest in generic no load mutual funds" (I don't even know if what I just said is accurate).

At this point, the guy will obviously become hostile (even if he feigns professional courtesy). My guess is that first he will try to talk me out of it. Maybe offer me an alternative breakdown in investment options. Would he be