Under no circumstances get tied up with one fund family or into annunities particularly if loads are connected to them.Since I am not from South Jersey I can't help you on finding a no fee financial planner, except you can go to the Chartered Financial Planner site on the web and get addresses for ones in your area. Take the time to check them out to make certain your philosphy's are the same and in truth they are do not have ties with certain insurance or broakerage folks. By that I mean that they do not receive "kickbacks" from them for referring you to them.You are thinking in the right direction and good luck.devilishfool
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