With the market undulating on a day to day basis, paper losses and gains are what gets my attention. Quite often I forget the steady drain on my assets which is known as 'fees'. The tens of thousands of dollars that I have lost over the years is the price of building my nestegg. Currently I am paying 1.097 percent on total balance, 0.44 percent which is for my advisor. While I don't like paying, I see fees as a necessary evil. So I put it out there. What fees are you paying? How much are you prepared to pay? Do you have a FP, and, how do they charge? Johny.