<prompt> Human: Some of you may have experience with parents or in-laws providing financial advice or guidance wanted or unwanted so you can probably relate. Background: My father-in-law means well but has always tried to push high-fee financial advisers salespeople on us. I have a finance background and I have politely stuck with VanguardFidelity low fee index funds for all investing.After we had a child, he started a 529 account at his bank, with him as the account owner our child as beneficiary and told us to use it. Can I start one of my own so I can avoid using his? It will be an incredible hassle to go through him for every transaction, as well as giving him access to information that in my view should be kept private our financial matters. Also I would imagine there are higher fees associated with his bank.  <response>: Yes. 