<prompt> Human: Sorry for the long rant but I could use some advice from peers and vent a bit without sharing our financial situation with familyfriends. About 3 months ago my wife and I setup all our investments besides 20 going to peoples trust tfsa to go into TD e-series funds while roughly following the Canadian couch potato plan. The last step was to move 6000 of her RRSPs into the e-series funds which she had to do herself. We just had a baby and scheduling things for both of us to do together isnt an easy feat so I went in last week to talk to an account manager at our TD branch letting him know what we want to do, why we want the e-series, and specifically told him were not interested in their managed portfolios. This was after we had the same discussion together 3 months ago with my wife, me, and the same account manager there. We scheduled a time for my wife to come in which was yesterday and she can just sign some papers to transfer her RRSPs over to TD. He said it was going to be quick so my wife decided to pop out, take care of it and be back in time to feed our kid. An hour and a half later she comes home angry because A: it took way longer than he said it would so our kid is now screaming for the boob understandable - I feel the same, and B: It took way longer because he spent most of the time trying to convince her that our plan to use the e-series funds was irresponsible and having me manage our families investments is going to be detrimental to our future. I dont mind him showing my wife and I the different options once but having him try to convince my wife that our plans our destroying our future and undermine me after we had two separate meetings with him, turned down their managed portfolios, and laid out our investment plans seems like really bad form. Is the mindset that e-series funds are horrible product common across the board at TD? Do I have a valid complaint here or am I just overreacting to an overzealous salesman?  <response>: Nobody who works in any of the physical TD branches make any money from the e-series funds. This is why any account managers you may sit down with in person hate them. They make no money from it. When you are signing papers to transfer money over from other types of TD funds to e-series you are taking potential profit away from them. It is simple. They do everything they can to help themselves, not you. 