No. of Recommendations: 1
All that advice isn't going to do you much good if your holdings are taking a beating. Here is a new flash - even fee-only advisors get it wrong (e.g. 2008 & 2009). Paying less fees is in not necessarily coorelated to either getting better advice or getting a better return.

I think the point is that the market will do whatever it does, regardless of where you get your advice and how much you pay for it.

A secondary point is that VA's are chock-full of expenses and gotchas that are not readily apparent. Many of the guarantees are worthless, as what you think you are getting is not, if fact, what you are actually getting.
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