@maeflower Definitely get a 2nd opinion, shop around and ask straight up what their trailing fees are for investment recommendations provided. Very few are cost per session or on a time basis, so what they recommend to you may have a fat % trailing fee which comes out of your money, ongoing for years down the track since your most recent meeting. This is often in addition to the fees of the fund itself. Now this is not exactly against this model, people have to be paid somehow for their work, yet it helps demist any well done sales pitches. Just they may not have put in as much effort and just happen to be connected to a strong product.