Ric Edelman warns you to 'Be On Your Gard'!!! - Making sure you are aware of the scam artists who come out when there is a tragedy, like the Notre Dame fire. - Why waiting to donate after a tragedy is a good thing. If you participate in a retirement plan or IRA, you are more than likely a tertiary investor in a mutual fund, but do you know just how well that investment is classified and how they are run? It all comes down to fees and commissions.