I got a call from a smaller client ( less than 100k household) last week and they are going with a Dave Ramsey ELP ( endorsed local Provider) as their financial adviser. I was somewhat amused by the transfer forms that I got. They sent the good old liquidate and transfer to an American Funds IRA. I, of course ,let the client know what his costs were to do it and let them know that I wished them well. I only originally took the accounts as a favor to their father in law who has a nice account with me....it seems every time you do that you get a time waster. The real question is why isn't that ELP for Dave Ramsey required to disclose that they pay a fee to Dave Ramsey to be that endorsed local provider??