[Cdnone1]

Fee's and percentages should be negotiable. My wife and I have an Ameriprise (use to be American Express) financial planner and we negotiate fee's every time we make a major move or at our yearly meeting.
Depending on the size of your portfolio and how aggressively you are going to move things around your planner is going to receive a percentage back from the funds he puts you into. This should be discussed up front
Tough call but I'm like you, I don't really have the time to do all the research I would want before making a decision. Like many things in business it's easier to get professional options from the experts and decide from there
If your investing and keeping a balance over I think $750,000.00 they give you a free Amex Platinum and a whole bunch of services that I never use.
Good Luck
Steve