You are at WAR with your broker/advisor Managed Accounts Earn 3.79% Market Index Accounts Earn 11% Your brokerage or advisory firm considers you as THE ENEMY. Wall Street is fighting to the death the proposed Fiduciary Rule. This simply requires your broker/advisor to offer you the best products for your specific circumstance. For most investors who need to succeed for a comfortable retirement, that means being offered low-cost mutual funds, securities and packaged products. When you have a problem with your "representative" or accounts, your firm will quickly turn you over to the compliance/ legal department. You will need a lawyer to fight any mistakes. You cannot sue individually or together as a class-action. Look at your account agreement. You must submit to arbitration run by their hires and governed by their association's rules. The whole investment industry is run to separate you from your money. High fees and aggressive trading are the means of extracting money from you. The industry is fighting hard to eliminate the essence of the Fiduciary Rule by which the industry must provide advice/products that serve your interests over theirs. If followed, Morningstar estimates the Rule will cost the industry about $19 Billion. This means less for them; more for you. There is proof. The average managed investment returns were 3.79% over the last 30 years according to Dalbar's QAIB recent study. During the same period your returns could have been over 11% if you had chosen a low-cost market index mutual fund. If you had, your $250 monthly deposits would be worth over $700,000 instead of $160,000.