[ItalianFX]

Basically, the reason why she wanted me to get away from the ETFs was because they track an index. She wanted me to get away from that and get into mutual funds that are managed by people. She showed me the histories of the funds and they outperformed the majority of the time.

Also, she wanted me to go with the front load because the expenses would actually be less over the long run. If I remember right, she said something about how they take the expense out once and then I don't have to pay it ever again? I can't remember.

I'm not so sure how much of a "salesperson" she is trying to be because my mom works at the bank also. Whether that means anything, I don't know.

My original advisor from the police academy said he loved the American Funds and dealt primarily with him. He said they have done well for him for the years that he has been using them.