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I find it interesting that most of you posters on the "Retired Fools" seem to still be working and not retired. I thought as a retiree the past 7 years I would throw in my 2.5 cents worth. As one who lived strictly on commissions for over 30 years selling most of the products that are being discussed I feel qualified to make a comment or two. First, it really doesn't matter if it's fees, commissions or a combintation as long as you are honest and disclose to the client how you are compensated. Dishonest people, poor advice, and self serving interests exist with both means of compensation. I can appreciate and understand jasmanda's passion, but wonder if his time might actually better spent with real clients as opposed to cyber clients. I no longer find the need to toot my horn with my academic and professional accomplishments and find that "Retired" suits me just fine. Because of some decent retirement planning on my part I am able to spend six months of the year living in New Zealand and six month in California and really wish this board dealt more with the retirement issues of those just about to retire or already retired. BTW------I am happy to have not only medicare supplement insurance, but LTC.

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