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Also check craigslist. I bought a brand new Large egg for exactly 50% off. The seller won it in a contest and never took it off the shipping pallet.

Been there, done that. Glad it went smoothly for you. I was sort of amazed as well how much of it is simply on the honor system. Good luck with the next chapter of your life, my divorce was anything but amicable and even after that it gets better soon.

Thanks Been through a job change, a divorce, a new baby an engagement, and I'm still kicking

This has been my experience too. Most (not all) of the people you meet doing fee only plans are people I wouldn't want doing my plan. Its just too hard to make a living doing it, and the clients still aren't used to being billed for it. There are some exceptions, especially on the high end...

Bullet Repayment Definition | Investopedia

and probably replace the rugs

Feel free to complain to the interior re-decorators

Sure you can, assuming you have $129,450 in deductions and exemptions :rolleyes:

A felony count for killing a hamster? Wow, I hope they never find out what happens to rodents I find in my house. I might get the death penalty.

I take it you don't converse with many c level executives? Getting more than 2 word replies is pretty rare. Go try and e-mail the CEO of another Fortune 100 company and see how far you get.

He does return these from time to time. The important part of the story you're conveniently leaving out is that this was a college student who basically wanted Steve Jobs to do her assignment for her. After the third time has asked her to stop bothering him. http://gawker.com/#!5641211

You're making two big assumptions 1. The all people will create a balanced asset allocation and stick with it 2. The only value of an advisor is choosing investments Both in my experience are false

We have ours come every third week. When we got married my wife informed me she doesn't do bathrooms, and that it is non-negotiable. It didn't take me long to figure out that I'm not spending my weekends doing them either. Two women come for about an hour and a half. Costs us $75.00

Nor does anybody in the financial services business have the ability to charge you any fees, expenses, or commissions that aren't fully disclosed beforehand None of the professions you mentioned have the same requirement

You're right all of the above work with totally transparent billing without any profit motive, intentional over billing, or putting their interests before their clients :laugh:

Well, the first question that I would ask is what is the purpose of the relationship? If the only reason you're hiring an advisor is because you think he's going to pick only the best performing funds, buy them at exactly the right time, and beat the market.... well, then I think you've hired...

It's a huge market for them Here is their advisor site, it has some pretty decent material, and maybe more appropriate for users of this site. https://advisors.vanguard.com/VGApp/iip/site/advisor/home

There is Vanguard's fee, and then our firms fee. Ad advisor can't change the ER of a fund or ETF.

Pretty broad statement don't you think? Please explain how so?

I can tell you this 1. Advisors do use Vanguard funds. Our office has well over $10M in vanguard funds alone. Much more in other index funds. 2. You bet Vanguard has a salesforce. They hit the advisor market hard. We get calls, visits, invitations to conferences, mouse pads, calendars, and...

Let's put it this way... $60K is not enough money to make it worth going through the amount of work you would have to do to build that book at Merrill.

A broker with $250K of GDC makes nowhere near 45% More like 25% at ML

It's much harder to sell your book than it sounds. Despite what most people here think, this business is very personal, and requires a lot of dedication. When you work with people for years, watch their families grow, mourn with them when family members die, you take a very personal stake in...

Meant to type DC, not DB. Sorry

Arnie - I suggest you spend a couple years reviewing a couple thousand self directed 401(k) and Cash Balance pension accounts. Only then can you really obtain perspective on the horrible investment decisions that the majority of people make in choosing their asset allocation.* 65bps for people...