A bandaid is topical, suturing is not as.
I agree unless it's a relation.
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A long time ago, my first encounter with a stock broker, he recommended a mutual fund & set up an account for me. Several months later he sold most of the fund. He told me he was protecting my investment. Several months later he bought the same fund. Being the suspicious type I finally did a little research. Each time he bought, 5.75% of the purchase was taken of the top of the money being invested. On top of that the mutual fund too a % every year. Last time I used a broker!Don't put your retirement money into any fund that charges 2% or more per year.