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Old 09-07-2010, 01:28 PM   #41
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Both planners are on there own. I don't think the planner would get paid extra per transaction but I will ask.

If she signed up for a year at .8 the plan would be included.

One other thing, my sister mentioned 72t withdrawals to one of the planners and he seemed to dismiss the idea. She did not mention this to the other planner so it is not really a fair evaluation point.

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Old 09-07-2010, 01:44 PM   #42
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Originally Posted by REWahoo View Post

Have Funds, Will Retire

...not doing anything of true substance...
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Old 09-07-2010, 02:17 PM   #43
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Originally Posted by FinanceDude View Post
Why does that matter? You cannot assume a Smith Barney guy knows more than an independent guy............ Actually, most indendent guys started out at wirehouses or regional brokerage firms..........
It is a data point, it might matter, it might not.

For example if one guy worked for a more popular insurance company and other was on his own, that might mean one thing, where as if one was with smith-barney and other was on his own that might mean less.

And some companies do fee only plans
where as others do fee only plans, AND manage assets AND sell loaded mutual funds. They get compensated one way or another, but depending on firm, they might only manage assets (so getting the plan would not happen from that firm).
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Old 09-07-2010, 06:31 PM   #44
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Why pay 0.8% to get DFA or Vanguard and an asset allocation? Is it because face-time is needed? There are plenty of DFA and Vanguard planners that charge 0.25% or less or even a fixed fee. Everything is negotiable as well.

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