I’m 62 years old. I had a few 401ks from different companies. I rolled them over into a IRA with Fidelity. Right now everything is in cash. I know very little if not any about investments. The Fidelity representative is wanting to handle my account and is wanting to charge me .85%. What do you guys think? It seems to me, he is going to make money off me even if I don’t make any. What should I be asking this rep? I’m plan on working until at least till 67 if I can.