<prompt> Human: Hello, first of all I would like to apologize in advance, as I am as new to all things investing, in fact Im really just starting to take charge of my personal finances and really just need some general direction. About a year ago I got married, and at the end of last year a distant relative remarried after death of my aunt reached out to me after he found out I got married to inform me that he and my aunt had set some money aside for me when I was a baby about 30 years ago the money was held in various mutual funds in custodial accounts. By the first of the year the accounts were consolidated and transferred into my name. My relative put me in touch with his financial advisor at Merrill Lynch, and we decided it best to take some of the money to pay off all of mine and my wifes debts. In the end Im left with about 11.5k all in PNOPX. After creating a budget I realized I can comfortably contribute 1.2k per month to invest, and we set up an automatic funds transfer. We are now nearing the third monthly transfer, and my advisor has yet to do anything with any of the money Ive transferred to ML. At this point Im wondering if I should 1 reach out to him and ask why he isnt investing my deposits, as almost 17 of my investment accounts are sitting cash and 2 is it worth paying a brokerage firm to invest my money given that all of my investments are in one place PNOPX To clarify a couple things, I know I need to consider retirement account, and as for the money that I currently have invested my wife and I intend to use a portion of it as a down payment for a house in the next 3-5 yearsTL;DR:Financial advisor doesnt seem to be investing any of my deposits ton investment account. 100 of investments are in PNOPX. Do I need to pay a brokerage firm to manage this? Should I reach out to find out why they arent doing anything with my deposits?  <response>: Yea I mean he works for you so you should be able to call him up or email him and he should get back to you. Also PNOPX is not a great fund it has a 1 ER and it basically performs 1 better than the SP 500 so it wipes that out. It also has a 5.75 sales fee. 