Any reason to keep your Ameriprise financial advisor? Other than a desire to pay their country club dues and their children's college fund, I'd say no.

If you need help managing investments, look for a fee-only financial planner who can probably set you up with an appropriate portfolio strategy in a few hours -- a one-time cost of a few hundred dollars, most likely -- not the ongoing, parasitic thousands in fees every year.

And I don't want to say anything bad about friends, but I'd hate to think people would recommend these guys to even their enemies.

#29