Is my friend ripping me off?

Is my friend ripping me off? I (38) started working with my insurance broker/financial advisor 10 years ago when he initially sold me my whole life policy 🚩. About 6 years ago I rolled over an old 401k into an IRA. Total value at the time of the rollover was about $16k. Since then, I have not made any contributions. (For full context, the advisor was my next door neighbor g...

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