<prompt> Human: My mom, 66 years old, recently told me that she is wanting to move the money from her 401k to a more growth oriented portfolio than what it is currently in. She mentioned that she had talked to someone from a chain brokerage firm and said that they would be able to double their account value over the next 15-20 years. The front end load to move the money to the chain brokerage would be 4.5. My question is does this all seem ok? The fee seems high and the guaranteeing of doubling your money makes me very skeptical. I want to make sure my parents arent getting into something that they will regret later on. Thank you for your help!  <response>: LOL theyre getting absolutely railroaded. Do not have them do that thing. 