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Maybe a stupid question but how hard is it to change advisors if you don't like the one you select
Great question. The answer above is correct, but I would add some more context.
If your advisor works with life insurance products (including annuities), they will be loaded with surrender charges. So, you can get yourself somewhat locked in if that's your situation (whole life insurance absolutely does as well...that's why your cash value is negative for the first TEN YEARS--it's a built-in "surrender charge" of sorts).
That's my beef with Ed Jones-their advisors often sell A share mutual funds (a mutual fund with a 5.75% sales commission on the front end. BTW, it still has significant annual fees imbedded in the fund. It's not free after the 5.75% commission). So, don't like your Ed Jones advisor? Well, if you just bought the funds 6 months ago, that's quite the fee you've already paid to bolt now.
I would only work with an advisor that doesn't have any sort of surrender charges-whether that's an actual surrender charge on an annuity or a practical one like the example above with A shares.
Midwestern transplant learning the way of the Aggies.