<prompt> Human: Heres the general situation: my wife and I were recently married. We have a combined income of around 135,000 a year and save very aggressively. I currently save about 30 18kyear of my income in a very good, reliable workplace savings account, and she contributes enough to hers to max out her employer match. We both max out Roths detail for hers is below outside of our respective workplace savings plans. My wife has used a financial planner from a reputable firm for the last 5 years or so. This is the breakdown of her accounts:Pershing TOD account: 20k in American Funds Balanced C. Contributes 250 monthly.Pershing Roth IRA: Franklin Rising Dividends A: 10kRS Global Natural Resources A: 10kContributes 458monthIn addition to all of this, we have about 105k in liquid money sitting in a checking account. We are considering investing a good chunk of that. We recently met with her financial planner and I was pretty taken aback by the 5 front end load. I ran some simulationsfund comparisons and it seems wed be giving up a ton of money in fees. I have never used a financial planner. I am not an expert but have always invested in lifecycle funds Vanguard for my retirement again, I still have the workplace retirement savings as well. Just looking for input as to whether this is a setup we should politely move away from. And if so, how should we invest going forward and doing it on our own? We would like to invest this money in an account that can be accessed if needed if we decide to sell our house and purchase another, etc. My thought is going forward to invest in a mix of Vanguard funds stock and bond index funds, and also invest that lump sum contribution into something similar. Any help is greatly appreciated.  <response>: 5 front end load!? Oh mylanta. I think the answer is pretty obvious. 