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You are right on the money, Badger. My former partner
turned his IRA and non IRA accounts over to a slick drinking buddy of his who worked for one of those big full commission brokerage houses. His "FA buddy" "churnes" his accounts with frequent, bad, market timing trades.

I'm retired....early.... and out of debt, my partner is neither.

My former partner's buddy is also retired.....early....but still holds on to a few lucrative accounts, if you take my meaning.

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