<prompt> Human: Hey all! Last month I got together with a financial planner. Im paying 5.75 in fees on the money I put into the Mutual Funds used for a Roth IRA. Is that a bad scenario?  <response>: Any adviser who puts you in load funds, in effect stealing 5.75 of your money up front, probably also taking other fees annually, is looking out for himself, NOT YOU. Read up here, ask questions and NEVER do business with this adviser again. 