If the planner is going for the hard sell like a used car dealer, he is a salesman, not a planner.
Now THAT'S a key piece of information. Because that's exactly how I felt.
FWIW, I was just going over some of my stuff and I found that by going down the list of Vanguard funds a few years back and picking several that had average return rates since inception of 10% or better and placing somewhat equal amounts in each I have to date realized total of 6.5% for one year and 10.2% for my 3 year return on the total of my investments in that fund group. I'm tempted to tweak it a bit because their Strategic Equity fund has outperformed all the others by a fair margin at 9.97% for one year but then who knows how it will perform this year. I'm thinking the ones that didn't do as well are due sooner or later. The diversity allows me to not worry so much about which sector will outperform the others each year so maybe I'll just sit back and watch some more...
Look at those Admiral funds though. Some of the since inception returns are phenomenal. Problem is a lot of the best ones are closed IIRC.
Oh, I do have an uncle in the broker business. Unfortunately for him, some of my picks did better than his.
LOL...
Oh, in case anyone's interested, the funds I have are: STAR, Asset Allocation, Equity Income, Strategic Equity and Total Stock Market Index.