<prompt> Human: Im 19, and going to school full-time. I make around 500 a month working on the weekends. As of last month, I had about 500 in savings, and seeing as it was losing money just sitting in the bank, I wanted to put it somewhere like an IRA or Mutual Fund.I asked my parents, who arent exactly financial geniuses, what they do for retirement. They have an IRA through Franklin Templeton. They make contributions to the Templeton Growth Fund on a monthly basis. They have their own financial advisor, and set me up an appointment with him about two weeks ago. He ended up setting me up with a monthly contribution to the same fund, as a Mutual Fund but the initial investment has yet to be taken from my account.I thought I did my research, and I probably should have consulted you guys first, because I didnt know that the expense ratio was so high. I want to switch to Vanguard, like all of you recommend, but how do I go about ending my relationship with Templeton? Do I have to go through my parents financial advisor? I dont have any log-in information to my funds yet. Thank you in advance!  <response>: A 19 year old who knows what an expense ratio is? You will be wealthy one day, even if you lost all of this 500. 