Id like to hear some experiences from forum members on financial planners, esp say experiences with navra financial services, or travis morien. Ive been considering them but have always been reluctant do to them charging an upfront fee, upfront commission and trailing commission. I have also been considering fee for service planners like www.travismorien.com. He seem to put a lot of clients portfolios on index value funds like the DFA australian value trust - which is an excellent fund which many planners dont have access to like an 18% 5yr return. The navra fund is really an income fund and as stated on their website is good for parking funds - to allow mre funds to be allocated to growth investments. I have no idea how NFS structure their share portfolio - any growth funds, or just navrainvest. I already have a significant amount in navrainvest, and property but want to improve my risk profile with other share funds, and get prudent advise on margin lending, and asset protection. Having too much in any one fund is not safe Id love to hear some opinions, and recommendations!