<prompt> Human: Ive been seeing this financial advisor since 2003 where I had a teeny-tiny Roth with about 2K in it. Fast forward to April of 2013, and I consolidated all my stuff in with him 401k with 19K, emergency fund with 9500, another Roth with 1.5KDuring the allocation process, they told me about a fund called BTS Bond Allocation that they put my emergency fund into, it apparently plays with Treasuries and last year put up a 5.5-6 yield after fees which are apparently quite high. Since they put me in the fund, Im down about 4.5, and everything Im now reading about it trashed by Morningstar, fund manager was sanctioned by the SEC in 84 I know, I should have done my due diligence ahead of time, but I really dont understand the nuts and bolts of some of this stuff and I feel like it can be very overwhelming, which is why I was trusting my advisor.Im pretty sure I want out of this fund and possibly out of the firm itself, but since I know just enough to be dangerous, I want to make sure Im doing it for the right reasons. Any thoughts?  <response>: You simply do not have enough money to be paying a financial adviser. First thing I would do is get your emergency fund out of whatever fund they have you in. You need emergency funds to be stable and liquid. Second you I would do is take all my investments to Vanguard. Put them into a three- or four-fund portfolio consisting of low-expense ratio funds. Get away from these fools before they strip you of any more earnings. 