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Really, think about it. You are paying maybe 1.5%-2.0% annual fee. On a $1,000,000 account, that's $15,000 to $20,000. How much detailed personalized advice do you think you can get for what amounts to a starvation wage?

That's why the only advice you'll get is cookie-cutter advice.

Well, maybe the kinda "advice" I am talking about should be cookie cutter. I recently stumbled over the fact that I can pay the FA's fee from taxable funds, which means that we could have painlessly increased our IRA holdings by 4% over the past 4 years, and potentially deducted the fees on our taxes as well. I think that should be a "generic" piece of info handed out to investors, particularly those in accumulation phase or those with lots of taxable funds. Very painless way to increase the Roth.

Or when I again asked for the taxable account to be managed in a tax controlled manner, don't automatically think annuities are the way to go. Instead, lets put our less tax friendly boldings in the IRAs, and keep the taxable account buy and hold, keeping the asset allocation the same when taking all the various accounts into consideration. And lets be age appropriate when investing my teen's Roth, not using the same asset allocation at the start of his savings that we are using at the end of ours.

Who knows what else I could be doing. I'm not asking for stock suggestion or anything that is specific to me. Someone who spends many hours a day dealing with people's accounts, someone who has that alphabet soup after his name, should know these industry tid bits that they can share.

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