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THE ANNUITY IS MY RETIREMENT AND I AM 68 YRS.OLD.

My financial adviser with Wachovia put me in C Shares about 4 years ago. I remember him explaining vaguely what the difference was but he really didn't tell me C Shares were more expensive in the long run. I asked him about it and he says he likes C Shares since they provide more flexibility. I haven't sold anything in the past 4 years. ROTH: American Balanced Fund - BALCX (ER 1.38%) - $3140 Growth Fund of America - GFACX (ER 1.42%) - $3555 Investment Co America - AICCX (ER 1.36%) - $3115 New Perspective Fund - NPFCX (ER 1.46%) - $1711 Traditional IRA: Hartford Balanced Allc - HBACX (ER 2.10%) - $500 MFS Mod Allocation - MMACX (ER 1.72%) - $33,261 SEP IRA: MFS Mod Allocation - MMACX (ER 1.72%) $1,642 Questions 1) Should I have my broker sell the C Shares and purchase A Shares in the same funds or just leave things like they are? I guess a different option is to buy A shares from here on out. 2) Should I ditch the financial advisor and go back to no load/low fee funds at ETRADE? I don't want to spend very much time on monitoring my funds prospectus, news, etc. He's there if I ever want to go in and meet with him but instead we talk on the phone every now and then. I am adding about $25,000 a year to my retirement accounts. Thanks. Thanks. How does ETRADE's Financial Advisor service compare to brick/morter Financial Advisors. I really haven't gotten a lot of advise from my financial advisor. He doesn't seem to know anything about taxes and has made a few mistakes. He seems to be experienced but I always feel rushed off of the phone when I talk with him. I could either go back to ETRADE or find someone else. What would you do?

23 years to retirement. I consider my risk tolerance moderate. These are my 401k options: SPECIALTY IARAX AIM REal Estate--loads HBGHX Hartford Global Health HLS--no load IGNYX Ivy Global Natural Resources--no load MURRX MFS Utilities--no load INTERNATIONAL AWPAX AllianceBernstein Inl Grw--loads RERCX AF EuroPacific Grth--no load TEDMX Templeton DevMktTrust--loads SMALL CAP LSBAX Lord Abbett SC Blend--loads MID CAP GCMAX Goldman Sachs MidCap--loads THCRX Thornburg Core Growth--no load SSVSX Victory Special Value--loads LARGE CAP RAFCX AF AMCAP--no load NYVTX Davis NY VEnture--loads EHSTX Eaton Vance LC Value--loads JARTX Janus Advisor Forty--no load ASSET ALLOCATION/BALANCED RAYOX LifePath2030 IUAAX Van Kampen Equity BOND Hartford Total Return Bond HLS Pioneer Strategic Inc PSRAX STABLE VALUE/MONEY MARKET SEI STable Asset Should I put most in the SEI Stable Asset to protect the money? Its 10 year average total return is only 3.41% These are my ONLY options in the 401k.

I have my money in Fidelity Freedom Fund 2035 (no mgmt fee/exp ratio .81%) until I know what to do. Listed below are the other choices. Choices Large Cap: FID EQUITY INCOME, FID GROWTH COMPANY & SPARTAN US EQ INDEX Mid cap - 1 choice only spartan extended market Small Cap: HARBOR SM CP VAL IS, & HartFORD SMALL CO Y Intl: 1 choice FID DIVERSIFIED INTL FID BALANCED, FID FREEDOM INCOME, MANAGED INCOME FUND & FIDELITY INVST GR BD

my investor says I can move for free to Hartford HSNAX Strategic Income-a fixed income, is this a good move? I looked on morningstar and it has under the rating NR and I do not know what this means. I am retired on SMALL retirement and need this as my main income..any suggestions? I, unfortunately do not know much about the market, but went through our local credit union who hires the financial planner through LPL investments.

I am 55 retired. My financial advisor had me move from Hartford floating rate mutual fund to Hartford Strategic Income A (HSNAX) fixed income fund. Is that a reasonable move? I need steady income to supplement my very small fixed retirement check. Is this a sound investment? Thank you for any help.

I have just begun working, and I am paying into a retirement fund through The Hartford: in my statements I have a 414(h)EE pre-tax contribution, and then i've got "Money Purch" which is about half of my money -- what does Money Purchase (what I'm assuming that stands for) mean?

My retirement guy seems to be pushing the hartford sep over the fidelity sep... i know the fidelity sep has no fee's at all. Here are the fund choices and descriptions of fees for the account. C shares, so load fees are minimal (1% or less), but remember the advantages you don't get elsewhwere: a) 3% up front bonus, meaning your starting at at least a 2% gain, not zero! b) downside protection, no losses in bad markets. c) 25% added to account value upon death (small ins. benefit, but HUGE if this account is 1 million plus when you're 78, that's an extra $250,000 plus to your beneficiary, out of THEIR pocket. d) you get to hand pick your funds from a list of funds that have gi-normous returns withthin the past year. 15 of the selected funds are at 15% + growth.... e) it's under the same roof as your VUL policy...easy access. f) your broker has done nothing but make you money!! d) no commish again, Hartford pays me. Give me some advice as to what SEP is better for me The annual fee is 1.3%, which includes the loads and extra features. If you don't want these features, you don't have to pay the annual fee, but put it this way: Over the next 10 years, your portfolio has 3 bad years of negative returns, say -6%, -11%, -2%, with Fidelity, you lose over 18% in those 3 down years. With this plan, you lose 3.9% total. That's a 15% hill you have to re-climb, that could take an extra 2 years... Plus, with the 3% enhancement, your getting paid to put money in, does that make sense to you? Over time (30 yrs+) I think the decision is easy... Plus, Hartford adds funds all the time to its portfolio allocations. In my experience, you don't need 1600 funds, you just need good ones.