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My mother recently passed away unexpectedly leaving me with a moderate amount of retirement funds (315k to be split evenly with my brother). They are currently in a mix of an annuity, stocks, and an IRA.
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She already has a financial advisor with Edward Jones, who charges 1.35%. He's ok, but not great. The thing is I have no idea how to find a better one. Every reddit post just says 'you don't need a financial advisor unless XYZ', well now that I do fit into the XYZ criteria and actually need one, I don't know how to find one.
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I think i am looking for one that charges fee based rates rather than percentage rates. Who can aggressively grow my retirement funds, is a CFP, and ideally won't charge fees on some funds that were grandfathered in (she already paid commission on some mutual funds (45k worth) and Edward Jones will not charge commission if I leave the mutual funds alone or move them around in the 'same fund family'. I asked if other advisors would do the same (IE is that the law or an incentive to stay with EJ?) and he did not give a clear answer.
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I know I can ask friends and family but that has only generated one lead so far.
Submitted September 26, 2017 at 09:45AM by jPharm247 http://ift.tt/2wTW20q
