<prompt> Human: everything he showed me seems very convoluted, and I cant really tell if he really has my best interest in mind or is just selling a product. The percent interest he keeps mentioning seems low to me at 7. any advice regarding these?  <response>: Assuming USA, if the advisor wont pledge you fiduciary responsibility you need to walk the other way, fast.Start with Vanguard and a low cost index fund. Get more complicated form their once youre comfortable investing on your own. 