<prompt> Human: So after a few years of me ragging on my dad about having his money with a financial adviser, he scheduled a meeting with the three of us.Basically this guy is managing just my parents IRAs and about 200K in mutual funds. My parents dont have 100 of their nest egg with this guy. Most of it is in CDs and saving accounts. My dad is kind of old school mentality and thinks anything stock market is gambling. He carries 6 figures in his checking account kind of guy.Well this financial adviser is his good friends son. It wont be a super hostile or intimidating meeting, where this salesman is basically trying to keep his account with my dad.I need just some facts or basics to layout as any rebuttal as to why my dad should keep his money with this guy.My advice was to just dump it all into vanguard managed funds, after using their online tool to figure out target funds for my dad.  <response>: I need just some facts or basics to layout as any rebuttal as to why my dad should keep his money with this guy.Honestly? Dont even bother. Salespeople have a response for everything, and you will never get them to admit they are fleecing you. Your best strategy is to simply not go to the meeting. Its pointless. 