<prompt> Human: About a week ago my dad and I were discussing finances and he brought up how he just bought a really good deal which was an annuity that pays a measly 4 after being invested for 7 years and also charges 1 on top of that. What a scam. I told him how bad that was, and he assured me that his advisor made him over 30 over the last 6 years. I pointed out that the market outperformed his portfolio. So he asked me to come to the meeting to fire this guy. Any advice? It will probably get contentious so Id like to have enough facts to make it clear to him that its a bad deal.  <response>: It sounds like your father is onboard with firing the guy, right? If so, there doesnt need to be any formal meeting or breakup. Identify the new advisor, transfer funds, let person know youre terminating the relationship over the phone. No need for a contentious meeting. 