<prompt> Human: I visited my financial advisor last week and she told me that because of the new DoL fiduciary law I will either have to lock my Roth-IRA in as it is now Commission paid upon deposit into the account. Commission determined by total value of account or swap to the new style which will charge a 1.5 fee annually. Currently I think I pay 4.5 commission which will go down as my account grows, and contribute 2500 a year. If I do stay with the current system I will probably up my annual contribution to the maximum amount. In my mind, I am better paying the commission when I deposit rather than 1.5 annually, especially in a few years when my account gets larger. What do yall think? I moderately trust my advisor, she is a friend of the family, but I always want to make sure Im getting all the info I need to make the right decision.About me: 29, single, steady commission and salary job making about 60k this year, no debt.  <response>: Third choice: Move it to a place with no commission and low annual fee 0.1-0.2. Fidelity, Schwab, and Vanguard all offer commission-free, low fee funds. 