<prompt> Human: Hi all,After moving cross country, having a baby, and buying a house, I was almost ready to put my finances completely on autopilot with a financial advisor. I had been so worried about so many things logistically that I just couldnt mentally process it at the time.However, my head is now on straight, and although Ive started the process with an FA and put a little bit of money in, I havent committed my entire nest egg. Below are some pointsconcerns: Fees are, of course, higher than Vanguard. Although my FA does not charge a fee himself to me directly, Im loaded into Fidelity Advisor funds, which carry higher expense ratios which he then is obviously paid on: 1. Fidelity Advisor Diversified International Fund - Class C 0733 2. Fidelity Advisor New Insights Fund - Class C 1279 3. Fidelity Advisor Mid Cap II Fund - Class C 1361 Although my FA is suggesting a blend of insurance including Term, hes also highly suggesting Whole Life as a purely investment vehicle for the use of later loans, college funding, etc. I know that for some people this is effective, but his huge Im assuming commission incentive here is turning me off. Question to Reddit: Does anyone here carry Whole Life in addition to Term as an investment? I found similar Vanguard funds to the ones above with lower fees, and which also performed better over the 10 year period. However, another question to Reddit: when you do typically rebalance? Final Question: Is a no-fee Advisor, but with higher expense ratio funds which he clearly makes on, a good idea? Clearly he needs to make money, but Im concerned about his motives.nbsp;Thanks in advance for your insights!  <response>: Insurance is insurance, not an investment. If you advisor is pushing you towards whole life, it is because he wants your money for himself. Class C funds are for short term investments. Read up on it here: If you are looking at long time investments, then the class C funds the FA is suggesting is looking to make himself more money. I recommend a new advisor. This one seems more concerned with making money for himself, than for you. 