<prompt> Human: using a throwaway because of relatives who use reddit. My dad passed away. he had a stroke and never recovered, Im 20 and on my own now. He left me his house no mortgage and in charge of his accounts. Im trying to make sense of a a stock called LVIP blackrock equity dividend managed volatility fund through a company called Primerica, it has 300,000. growing up it was just us 2, we never had much but didnt struggle either. It gets messy here. My uncle says he was my dads agent and wants me to put in all the money ill get from his life insurance into that company, He blows up my phone daily and has become a real nuisance by dropping in every day. He even brought the regional vice president of that company over to my house to give me a sales pitch. Im currently studying and overwhelmed. I really appreciate any advise making sense of this. Assistant: Primerica is MLM. Stay far away. Remove the money you have there and tell your uncle no thanks. Speak with a fee only fiduciary advisor. Someone you pay hourly to give you advice. Do not go with someone that charges you a percent of your money to invest it.Human: Thank you for that. the VP who came over to give me the sales pitch told me I couldnt remove the money for another 2 years from that fund without getting a heavy penalty fee. should I wait it out or take the hit from the penalty?  <response>: If you open a Fidelity or Schwab account, the adviser there will probably help you move the money to your new account for free. And will know enough to cut through any BS. 