Reply to if you have a financial advisor-question on fees from mutual funds

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[quote=Anonymous]Up to this point we have invested for ourselves. When the market
went down in 2008 I just stopped out of fear and then life got
busy and I wasn't actively paying attention and have too much in cash (within IRA not in my pocket)
We want to invest with someone but for those of you who do and are happy with your
financial advisor ( and I would love some Montgomery
county recommendations) does the advisor choose funds
that have a high front load fee?( learned about that yesterday) and/or a high yearly
expense ratio and if so has it been worth it?
I am really worried about handing over $ knowing for every 100K to just get
into the funds I've lost 5.7k just for an entrance fee. 
I know the other extreme is keeping it in low cost vanguard or Trowe accounts but
realistically I don't know how much we will
follow every market trend and change things when we need to avoid
another bear market. thanks for your help! I
know the market will
go up and down no matter what but with almost 20 yrs until
retirement we know we need to take some risk.[/quote]

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