<prompt> Human: My wife 27 has an Edward Jones financial advisor that manages her money. There is about 650k in her Edward Jones account. She has been using this advisor since before I met her, and really likes him, but isnt sure about his performance or even how much she pays him. Im no financial guru, but Ive lurked around here long enough to learn that her FA is probably not doing any better than she could do on her own with a target retirement fund from Vanguard. My wife is a bit reluctant to take the plunge, and will need some convincing. What should she ask her FA to provide that she could use to evaluate his performance, and compare it to how a Vanguard fund has been performing? Sorry if this is a basic or obvious question, and thank you for the help!  <response>: Some questions I would ask in a similar situation: Ask if they are acting as your wifes fiduciary. Ask them to provide a list of transactions theyve made on your wifes behalf over the past year2 years5 yearswhatever. See if the funds the advisor has bought into have high expense ratios andor load fees - a sure sign of a bad advisor. Ask for a list of expenses your wife is being charged. They are legally required to provide this. A long list of fees is a good indicator of a bad deal for you. Get a hold of what your wifes money is actually invested in. If theyre all actively managed funds with high expense ratios, ask them why. The expense ratio is charged on top of whatever management fees are being charged, further eating into return. 