I opened an Ira for my dw in 1995 with franklin templeton income funds. it was just about 4500 dollars that I wanted to get tax deferred at the time. from 1995 to 01/2014 it has grown to 9500. I have never taken any withdrawals from this amount., I got quarterly statements from franklin templeton and it was not a problem. recently I needed to get rid of another 4 thousand to lower my tax obligations, so I looked at franklin templeton site and saw that my local rep was a local investment adviser. these are class c shares and I thought the load was 1 percent if taken out before a year otherwise no load. Now this financial adviser wants me to come into the office and sign a bunch of paperwork making her my representative. my question is why do I need her when she or anyone else hasn't done anything with this account for almost 20 years? Can I have an account with franklin templeton without an advisor or someone else taking a commission. of course I understand that there is an annual maintanence fee by franklin. thanks
frank
frank