re: Do I have a bad financial advisor?

I have only read a few replies but would say don't fire a financial advisor based on social media. I am sure there are more details involved in the decisions made with your advisor. Don't put too much stock in comments that have about 3 seconds of thought put into them.

I had a whole life policy once. Was not the worst thing in the world. At the time, I didn't have a lot of financial knowledge. But it didn't turn out terrible. You get lots of second guessing on social media, but at least you were saving money.

Annuities have high fees, but are fine for some people. You can do better if you stay educated along with some other factors. I have a brother that has his money in an annuity The money would be lost otherwise at a casino or some other get rich scheme that he always wants to chase.

I will say that if you use a financial advisor and make big changes without keeping them in the loop, then you are being careless. Use one. Don't use one. Just don't half-arse it.