when i saw NC - i forgot that i had asked your location. i was running through the list of "cellar acronyms" that i had seen and was drawing a blank. i need a nap.
fees are earned when transactions are made. (such as purchases in your future IRA - don't miss the boat on that) if you spend 5 minutes on the phone with the broker explaining what info you are in need of he/she should just tell you their thoughts on the hope that when you really need a broker for a purchase outside of your 401k, you will come back to them.
if you run into someone who isn't willing to help, let me know.
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Getting knocked down is no sin, it's not getting back up that's the sin
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