<prompt> Human: My mother has her Roth IRA with Primerica and Im very skeptical of the agent she is working with over there. She is close to retirement and has been with them in excess of 10 years. Im concerned shes been robbed with high fees over that period of time because this guy is kind of shady. Does it make sense to move her out of there now shes about 5 years or so away from retirement and into something else like a Betterment account? Has the damage already been done? What are her best options?  <response>: I am not familiar with the Primerica fee structure, but if there are any sort of on going fees, it is best to move people out of expensive accounts. Some of the damage might be done in the sense that the fees are paid but do not get stuck in a sunk cost fallacy and just make the best decisions to maximize wealth going forward. If you want to post more information about her current fees I can maybe provide more direction. 