You are doing a great thing for yourself.
dh2b's parents were with said firm for decades.
I cringe to think of the fees they collected from the frequent trades his mom told us about after his father passed in 2005. She was advised that some major trades were necessary to reposition her portfolio properly. She said she trusted them cuz her LH trusted them.
I advised dh2b on a few things to tell his mom, but I personally stayed out of the whole thing. He tried to talk to her, but...well you know...
when dh2b and siblings inherited an IRA from their mom in mid 2007, he and I were amazed at the nonsense coming out of the advisor's mouth via emails to him. The siblings stayed with said firm, mouthing the same "I trust them cuz...".
dh2b broke ranks and had VG handle the traditional IRA transfer. He asked me to serve as his limited agent to get the transfer done in real time before year end 2007. Said firm seemed to be leaving it for last minute.
Said firm dragged their feet in every way possible, for months. One of the siblings actually called dh2b and had pointed questions about me acting as his limited agent.
Gee, I wonder where that idea came from?