<prompt> Human: Im extremely annoyed. I feel that Ive been subjected to a bait-and-switch. When she called to set up an appointment, I said Before we do that, are you a fiduciary? She said yes. I said Great, Id love to set up an appointment! When I got there I saw a plaque on her desk saying she was a broker. I read online that a broker is NOT the same as a fiduciary. I asked her about it and she said, Let me explain to you what a fiduciary is... blah blah blah... so I consider myself a fiduciary. She thinks that I, 30, should invest my inheritance in a deferred annuity for retirement. I have 60k earmarked for retirement and the rest of the inheritance earmarked for current emergency fund and paying off current bills.  <response>: Id close all of your accounts, and let them know why. 