You have to ask if you are really getting your money's worth for that "advisory" fee. I would explore the mutual fund option a little more before making a decision. Most funds will waive the front load for a corporate retirement plan account. IF you are dealing with an Advisor have him check out Oppenheimer Funds, AIM, American Funds or even Alliance Funds. If you are doing this solo, call Fidelity, Vanguard and T. Rowe Price to name just a few. Compare the expense ratios that are on some of these funds agains the "advisory" fee and trading costs you would have to pay under the other arrangement.Hope this helps.Bill
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