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Considering the stock markets and the overall economy, just having most of your money intact is a good thing. The advisor is doing a good job from my point of view. The cash account will not earn much since currently interest rates are low. Also, the investment advisor's fee is less than 1% which is really quite reasonable for the services being provided. I suggest that, if you feel the need, you discuss the fee with him/her. Fees are always negotiable regardless of what some may think. I just would not expect it to drop by very much. You are unlikely to find this service elsewhere for less.