<prompt> Human: I just watched this doc and id like to get some opinions on their mention of index stocks instead of mutual funds for retirement planning. Currently we have a financial adviser, hes a good guy i suppose, but hes free so Ive always been suspicious of motive. Hes well off so Im wondering how by providing a free service.Weve been sold life insurance and he currently manages my wife and Is IRA plans. For my IRA, i think i pay 50year which doesnt sound bad at all, but Im wondering if there are fees I dont see that come out of the yields?Any advice or input on the documentary?ThanksAssistant: Thanks for the replies, it looks like my IRA is 100 in RBLAX mutual fund. The firm the adviser is with is Northwest Mutual.How do i look up fees and expense ?As for the insurance, i have a Term to Age 80 with 100 in death and nothing in cash benefits.  <response>: ER and Load info for RBLAX It has a 1.40 ER which means you lose 14 per 1000. It also has a 5.75 load which mean he gets 52.50 per 1000 invested for selling it. Id get rid of him and look for low ER funds from Vanguard.The Term life insurance is ok but the rest is just lining his pockets which is why hes free. 