conversation: User (huge_windfall): "There is no one I can talk to about a problem like this. \n\nI received a huge windfall when a relative died.  The account rolled over into my name after I signed some papers. \n\nNow, when I look at my monthly statements, the 1.5 percent "private client investment bank" fees, combined with the fact that the Dow has been oscillating between 16K and 18K, and most bond markets have negative return rates\n\nmeans that this grand new sum of money ((which I haven't really touched much))  is losing tens of thousands of dollars per year.  That's money I do NOT want to lose, before the windfall I barely earned 10K a year.\n\nYou might say "Switch investment banks!" but when I bring that up as an idea they "threaten" me with tales of how as soon as I do that the Feds will take 36 percent of it.\n\nI have never had a problem this awful in my life.  What can I do?"
  Self: "It sounds like they're threatening to take out money from a retirement account, which you're not telling them to do. They sound really sleazy b/c they're taking advantage of your ignorance. Which brokerage firm is this? "
  