Murray,Adding to Misterfungi's list: Another broker that offers free counseling and planning is USAA. They give you a separate phone number and go directly to their Wealth Management team.I was burned by Am in the mid 90's. They said there was no connection between their fund choices and the adviser. Long to short: This was one of the few class action law suits I received checks for. The advisers were getting compensation from the funds, even though they were not Am products.Gene
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