<prompt> Human: With my adviser from Northwestern Mutual, I recently rolled over my 401k from my previous employer into an IRA, and then into a Roth IRA. The transaction was rolled into the IRA as the MFS Aggressive Growth Allocation MAAGX Class A, then into the Roth IRA as the MFS Aggressive Growth Allocation MCAGX. The A shares has a front load of 5.75 and the C shares has a deffered sales charge of 1. Is there a logical reason for needing to go into the A class and THEN into the C class? Or did I just get dicked out of the 5.75 front load and now he gets a 1 sales charge at the back end in the C class.Also, what is everyones thoughts on these MFS funds? I am really leaning towards changing my Roth IRA to Vanguard, its still early in my investing career so a 5.75 sales charge isnt very significant right now and want to get on the right track to set myself up for retirement. I only recently started educating myself on personal finance, and Im starting to see some discrepancies in my advisers advice.  <response>: Without knowing more, this looks like a form of double-dipping and is extremely unethical. Dont seek out financial advice from someone working for an insurance company - they are salesmen, not financial advisors Id ask why this was done and if the explanation doesnt make sense report them to FINRA. 