<prompt> Human: Im a Chase bank customer and they asked me if I wanted to talk to an investing expert for free. Ive never invested before. I follow this sub a little but thats it. Anyway, I asked him if I should get a Roth IRA. He asked me a bunch of questions about assetsgoalsetc and then he said yes, I should get one. He outlined the procedure:1. Choose a JP Morgan mutual fund he recommended balanced to put in a Roth IRA.2. Put in 5500 plus 4.5 sales fee3. Starting the second year, put in as as I can up to the limit plus a .25 sales fee.4. Make around 2 to 10 compounded interest net after sales fees, but theres no guarantee I asked about funds that were not actively managed and he said he wasnt sure what I was asking. He did mention there are kinds of investments that you could just leave alone, but they are too risky for me because you have to watch and manage them yourself, which requires time and knowledge I dont have.I asked if it was 4.5 fee no matter where I went, and he said yes.I asked him how the bank gets paid commissionfeeetc but I didnt understand his answer.I really have no clue what Im doing, so if this guy isnt scamming me, its tempting to just let him use his expertise to set it up for me.Is it legit?  <response>: This guy was either blatantly lying to you about a few things or he has insufficient knowledge to be advising anyone on investing. Either way, dont follow his advice. 