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Stock Goddess write But it seems to mean you pay an upfront fee then invest in their fund company and get a 1% annual fee on top.

You seem to say the person you spoke with controls the mutual fund which your words 'their fund company' - what evidence or basis do you have for that suggestion?

Mutual funds I know about are all regulated and listed with the SEC. As such those have disclosures. Is the person you spoke with named in SEC filings about the that fund?

I am thinking you paid for advise and also expected to get free service and/or implementation of that advise.
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