<prompt> Human: Heres my situation. My wife and I are both 26, hoping to retire by 60, living in Long Island, NY. We have 25000 saved for a house, 2500 in an emergency fund. We contribute to both monthly. Planning on kids in the next couple of years. Our retirement situation is:Roth IRA - 5500Roth IRA hers - 5500SEP IRA - 38000OMC stock - 50000 handed down from father-in-law to wifeI had a meeting with the manager of my IRAs yesterday. 100 of my IRAs are in company bonds, where Ive been making consistent 8.5-9. The OMC stock, since 2008-9, has nearly doubled to the 50000 its worth today.My IRA manager is wholly against stocks and wholly for bonds. From what Ive been reading, 8.5-9 is pretty darn good for bonds. He recommends I sell a bunch of the stock and move it over the the IRAs. Now obviously he gets paid to manage my accounts, so the more money I put in the more money he makes. But does his recommendation have merit? Its impossible to predict the stock market, but bonds seem to be pretty consistent. I dont expect to make the same 8.5-9 on my bonds for my whole life despite what my account manager tells me, but I do like consistency.Any thoughts on what to do, be it regarding his recommendation or something else entirely?Thanks for always being there, Reddit.  <response>: My IRA manager is wholly against stocks and wholly for bonds.why is he of this attitude when there is virtually no one else with it?Furthermore, why does he assume one strategy works for everyone?I think you may be talking with a bank sales person and not an actual financial planner that owes you fiduciary duty. No one anywhere could show 9 growth for a 100 bond fund. sales people can exagerate all they want, its called fluff talk and is a form of protected speech.follow the money. he is likely getting a tidy commission selling someones inferior products.There are dupers and dupees in this world. Dont be a dupee. - Frank Reynolds 