There's an agreement between deVere and institutes to have commission paid up front to the detriment of client's investment performance. That is why the salesmen push and close close close because it is worth a Lot of money to them.
Most of the time 50-60k usd on 25year plans. The client loses every time!
You cannot drop contributions down once the plan has started otherwise you pay fees based on the original investment amount.
Also you shall never receive the initial contribution period back because it is swallowed to cover the salesmen's commission.THEY ARE RICH!! Fair play, jet don't fool for the older trick in the book!
Monetary Loss: $100.