▲ 6 r/ibs+1 crossposts

Help with cramps

Could I have SIBO?
63M here all my life I have had anxiety and the anxiety can bring on excruciating painful cramps and diarrhea.
Most of my life I have had daily bowel movements but recently when I go it is a struggle to go and I do not feel like I cleaned out my bowel’s .
I feel sluggish bloated and uncomfortable.
Then sometimes like tonight I finally had the horrible bad cramps that had me back to the toilet 5 or 6 times. The cramps were on and off for 1.5 hours .
I feel relief from the diarrhea and now the bloated feeling has subsided, and I feel cleaned out.
What can I do to feel like this with out the severe cramps. These cramps are so bad I felt like calling 911.
I just had this all happen tonight right now but feel so relieved after this fight with cramps.
Is there any medication that can help? I much prefer the diarrhea because I feel empty and now a little weak but at least I don’t feel like there’s poop stuck inside me.
FYI this is unusual for me most of my life I have been pretty regular and being constipated has been going on for about 6 weeks on and off. And I don’t know why.
Any advice on what to do? I am seeing my pcp in 2 weeks and will discuss it with him.Also, everything looks normal no blood or mucus just constipation and then the horrible severe cramps followed by relief. Oh, occasionally after these bad cramps and diarrhea I get rigors and there really bad.
I do drink water little by little following these cramps so I don’t dehydrate.
This is so unsettling and uncomfortable as I am not used to being constipated.
Tomorrow should be a good day as everything is out now and I can reset.
But how can I keep from getting constipated again?
I drink a lot of water every day. I’d say close to a 2-liter bottle throughout the day and some fruit juice.

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u/Specific_Seesaw9456 — 11 days ago

Anyone considered Fisher Investments and now uncomfortable like I am?

I have been considering possibly making a move from Raymond James to perhaps fidelity, Schwab, vanguard, Morgan Stanley or Fisher. After speaking to all of them and Rj, for the time being I am going to stay where I am at (for now) BUT Fisher seems to not want to accept my decision without calling me several times ( 4 ) asking to "at least let us look at your portfolio" let us see if we can be of better service.

To keep them from bugging me I finally agreed to a video chat. BUT I do not want to, so I emailed them today & told them I will reach out when I am ready and STILL get what feels like a sales pitch. It makes me uncomfortable & now I am curious what experience anyone here has had with Fisher? I did call them last week & thanked them for the calls but decided to wait until 2029 for reasons I mentioned here & I keep getting calls & emails.

Below is their "pushy reply" that came 3 minutes after I emailed them.

=====================================================================

I appreciate you letting me know in advance. Please give me a call at the number below to reschedule. Please let me know when you are able to set this up.

==========================================================================

I did let him know & said I will call / email when I am ready... So very pushy & of all the investment companies I have called Fisher by far has been a standout for being pushy.
Am I alone in feeling like this?? It is unsettling and I have decided to pass on Fisher because of it. Even talking to the guy it felt VERY MUCH like a sales pitch.

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u/Specific_Seesaw9456 — 2 months ago

Will they really help?

I am considering moving my brokerage accounts from RJ to Fidelity. will they care if my money grows?
With thousands of customers, will I get the care to grow my accounts? or will they just dump my money in funds, not really care &then move on to another client. Is it true the more money you have the more attenrion you get?
I will be just a number? Someone said to me the only person that will care for your money is you. BUT I have limited knowledge & will always wonder.................. did I buy the right thing? Can I really do this??
IF Fidelity has clients with ALOT more money then I do will they get more attention? Do money managers really care IF my investment does well ?

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u/Specific_Seesaw9456 — 2 months ago
▲ 4 r/etrade

I am not sure IF my post will be helpful for advice here? Thought I would post to see and maybe Etrade just might be appropriate for my needs?

I am 66, retired and I am thinking of looking for a new Investment Management planner. I have been with Raymond James a little over 2 years.
I am realizing after 2 years (I know smack me now!!)  that my "fees" (1.5%) & I feel are too much. I am looking to see If I can be at or below 1% by shopping around.
I dont feel comfortable making trades, and trying to manage my funds myself IF I panic sell, or make mistakes or buy the wrong stocks I could possibly make a mess of it. I do self manage about 20% of my net worth at Schwab & Fidelity
Today I did get a return call from my FA at RJ We went over my concerns and I was told my fees wont be able to be negotiated BUT........... once I hit 600,000.00 the fee will go down to 1.25% and when its at 1 million it will drop to 1% so,...................... staying with RJ will cost me the 1.25% for a while.

Any ssuggestons on what I can do to cut my fees?

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u/Specific_Seesaw9456 — 2 months ago

Meeting with Fidelity via phone 2nd time Monday I have concerns any advice?

I am 66, retired and I am thinking of looking for a new Investment Management planner. I have been with Raymond James a little over 2 years.
I am realizing after 2 years (I know smack me now!!)  that my "fees" (1.5%) & I feel are too much. I am looking to see If I can be at or below 1% by shopping around.
I dont feel comfortable making trades, and trying to manage my funds myself IF I panic sell, or make mistakes or buy the wrong stocks I could possibly make a mess of it.
I was able to learn a bit about my FA who will call me back on Monday from Fidelity. He has 6 years of experience and has worked AT 3 FIRMS IN JUST 6 YEARS!! that SCARES ME!!!!! I prefer someone that has at least 15 years experience and no more than 2 employment moves. Does anyone else feel the same way?? I will listen to what he has to say but doubtful I will switch, as I BET in a year or two or three, he will move on...

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u/Specific_Seesaw9456 — 2 months ago
▲ 8 r/Fidelity+2 crossposts

Raymond James fees are high and I need advice

I am 66, retired and I am thinking of looking for a new Investment Management planner I have been with Raymond Jamesa little over 2 years.
Currently my portfolio with RJ is a bit over $460,000.00. I am realizing after 2 years (I know smack me now!!)  that my "fees" (1.5%) & I feel are too much for the service I feel I get from RJ with my brokerage accounts and one IRA.
I dont feel commfortable making trades, and trying to manage my funds myself ( doing self management) because IF I panic sell, or make mistakes or buy the wrong stocks I could possibly make a mess of it.
At my age 66 & retired having a comprehensive wealth management planner I feel would be best for my situation. I Will be calling Raymond James this week to discuss fees & see IF I can negotiate my current fees from 1.5% to under 1% I am hoping to get my fees down to (.85% to .090%)<< as I am finding a few fiduciary advisors that have gotten back to me this week are quoting me what they charge & by looking at my statements they feel the fees RJ is charging >1.50 % is a bit steep.
I do use for "self management" >> schwab & Fidelity. I have about $120,000 in Schwab & fidelity combined BUT all in bonds, CD's, schwab smart portfolio, or low risk stocks. so those funds are "self managed" but in no risk products with little or no fees.
All total I manage about 18-20% of my total wealth & am ok with that but to get the most out of the 80% I feel I need help I do not want to risk doing it myself.
I am wondering IF anyone here has used any of the financial management companies I have isted below as I am looking at each one to compare I also realize there are a TON of others, I do not want to get over my head with getting too many quotes then start getting calls then getting more confused because I am calling many fiduciary advisors. Below is a list of who I contacted this week, I already heard back from Retirable today, and will hear from Fidleity, Schwab & Vangaurd all by the end of next week. I have sent my recent statements to all of them. I am not sure what do to I will feel TERRIBLE to leave RJ because my FA there is a great person, considerate of my needs & always calls me back & meets with me 4x a year & more if needed. He is knowledgble,and he is very upfront. it is me that needed to wake up read my statements, learn & now that I have a better understanding, I realize that IF he wont lower my fees? I may need to look elsewhere. Below are the FA's I have contacted
Fidelity investments
Schwab
Retirable
Facet
Vanguard
Has anyone used any of these I mentioned? Today I got a proposal and 45 min video call from Retirable with .90 fees no higher and not a seller of comission based products. I like what I heard but with my linited knowledge I do not want to make a mistake. IF I move from RJ I want it to be my last move
FYI>>> retirable looked at my RJ statements and said it looks like a decent plan but with high fees & they feel I can do better with other products. That was good to hear that it looks like RJ was NOT dong "bad things" just high fees & perhaps there could have been better products to put into my brokerage account.
They also said they can discuss the $150,000 that I have soon coming due in a 5 year annuity ( 2029) and that 150,000.00 that will be a big "help" to even better outcomes than expected.
One thing about retirable, is the FA is what? 30 years old?? that concerns me? should it????? I like the FA's that are 15-20 years or more into their career.
So, should that as well as being a "virtual FA" be a concern?? MY FA now at RJ is 5 miles away & always welcomes a call or visit & he has been a FA for over 15 years, I hate to leave but these fees??????????
I appreciate you reading my posts.

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u/Specific_Seesaw9456 — 2 months ago