Need advice -

or Register to post new content in the forum

32 RepliesJump to last post



  • Allowed HTML tags: <em> <strong> <blockquote> <br> <p>

Plain text

  • No HTML tags allowed.
  • Web page addresses and e-mail addresses turn into links automatically.
  • Lines and paragraphs break automatically.
Nov 9, 2005 9:38 am

[quote=franklin][quote=pennypnch]So, my real questoin is:  how do I transfer assets to like an ameritrade account,  what would penalties be, does anyone have any creative ideas on how to avoid huge commission fees, costs.  Most of my Mutual Funds are past the penalty timeframe, csds, or whatever it’s called.   Most is in MFs and 2 annuities Through John Hancock Venture and MLF Retirement Plus that are approaching the 6 of 7th year, neither have cap gains (got raked on those) 


I don't think you got  "raked". The markets were .....down.....oh about 55% the majority of the time you've been in the JH annuity, you are probably even at this point (however, I'm guessing you pissed of your advisor so bad, that he has not paid attention to your account) also, you invested at the high point. But you should understand this. I'm sure it's explained in one of those shinny new books of yours. 

Wow, just when this forum was getting boring.......along comes Penny.

Nov 9, 2005 9:50 am


I refer to your "lack of respect for the client" comment. This is not a charitable, client friendly board. It's for people in the business to share stories and experiences. You come on here, asking how you can get an advisor to work for free, showing a complete lack of respect for what WE do. What kind of responses did you expect?

Nov 9, 2005 10:02 am

May I suggest Edward Jones, they are the best slaesforce in the world and they “always” (tongue firmly planted in cheek) do what’s in the client’s best interest. Just ask 3mill Hill after Jan 1, 2005!

Nov 9, 2005 10:19 am

Did everybody else get bitched out by this bitter women like I did on the PM side?  I gave her good advice but she got upset because I said she obviously doesnt know investments which is true.  What an ego you have Penny.

Does anyone think I gave bad advice?  Can you imagine having this person as a client?  What a nightmare.  And what a train wreck she is waiting to happen.  Follow my advice Penny because it was sound.  And stop thinking everyone is out to get you you wacko. 

Nov 9, 2005 10:22 am


I hope you don't mind.....I gave Joedbroker your home number and address.

Nov 9, 2005 10:28 am

I would like to refer everyone back to my post about the three types of clients.  Penny it seems, falls into the "too stupid to help" category.

She first comes to a professional forum and wants "free" advice and isn't happy when she doesn't hear what she wants to hear.  She doesn't like the "water cooler" talk because it offends her little feminine sensibilities.

Penny:  first of all before you get your knickers in a knot, I am a female and have been in this business for years. I'm not offended by the "water cooler" talk.  You learn to take it with a grain of salt.  If you walked into my office with the attitude that you wanted a bunch of service and don't want to pay for it, I would politely say to you that we don't seem to be a good fit and you would be better off churning your own account on E-Trade.  

Myself and the other professionals on this board have spent years of our lives educating ourselves in this industry. We have sacrificed uncountable hours of our family and personal time to obtain the experience and knowledge that you want for free or for "cheap".  I consider people like you information thieves.  You come to our offices or to this board and want to steal the hard earned knowledge that we have.  We are professionals who have businesses to run and real clients to take care of.  My services are worth every penny and those clients or prospects who don't think so are more than welcome to go elsewhere.  Don't let the door hit you on the way out.

When you don't want to pay a fair price for a qualified service and decide to go it on your own because, as I assume, you are a cheap screw, then you deserve what you get.  

Nov 9, 2005 10:34 am


Thank you for posting what I was too worked up to compose.

Nov 9, 2005 10:39 am


I have been so busy the past few days I totally missed out on this crazy lady!  This forum was getting so boring.

She gets on here, basically says OUR profession is over priced
(translates to we are not worth what we do) and wants to know how to
get everything for free.  Hilarious!!!

She should go to a attorney forum and ask to get legal advice for
free.  Better yet, go to the doctor when she is sick and ask him
to see her for free, and still give her the quality of attention she

What does she expect?!?

Nov 9, 2005 11:08 am

I actually signed on this morning, recevied a PM from Ms. Penny, responded in a professional manner by gicing her some good advice. Then I read this topic and she attempts to slam me… It’s all good… She will probably wind up jumping around from firm to firm, slowly losing her meager account value due to transactions and unethical FA’s churning her from one VA to SMA to wrap program… I think above all esle she has been angered by the fact that nearly all of us have pointed out that she simply lacks the knowledge to efficiently manage her finances, and she had trouble with that… Buh bye Penny… I’ll miss you darling…

Nov 9, 2005 11:15 am

Penny needs to go to a bank and buy a CD…and leave all of us alone.

Nov 9, 2005 11:17 am

“Everywhere I’ve turned so far, I get screwed with attitude” It could not possibly be you Penny…it must be everyone else…

Nov 9, 2005 12:38 pm

ohh wow.. I did not even think this was a lady.. Babbling you have a friend.

To new people on this post. Some new PFA, brokers and some vets come here just to spent 10 minutes a day laughing at some funny stuff. So like everything on the net including all 5 year old pictures on take what you read with a grain of salt.