No. of Recommendations: 1
If the OP is ready to be her own advisor, that's fine, she has no more need for Mary, and can go either pick her own stocks or buy funds from Vanguard.

Or they could pick and independent, fee-*only* financial advisor who is not paid by any fund company and therefore has no incentive to recommend funds from any specific company - only to recommend what's best for you.

Mary recommended funds from the family she is paid to recommend. You don't go to a Saturn dealer and expect to be shown a Toyota.

This is a good analogy. Problem is, most people don't realize that the vast majority of financial 'advisors' are really salespeople who are paid to push/sell certain products. They think they're independent because there's not a bit fund company sign on the front door (usually). But, as you point out, they are very much working for the people who pay them (to a large extent), not the customer that walks in the door.
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