That's kind of the issue right there. 1) You read something somewhere that said not to do something, but didn't do something else. 2) Then you thought hinting would be a good idea. It's not. Say no. Tell her why. 3) She will then tell you why she's pushing it. Listen to it. You'd be surprised. There are a whole range of reasons. If she's a good FA, it's because she wants to help you and maybe she'll remind you of something YOU told her about your savings goals. In which case what you're doing clearly isn't enough, otherwise she wouldn't be pushing it. If she's a bad FA, she won't have a particularly good reason. Ask her to tell you the truth and emphasize why you're telling no. Then emphasize that this doesn't help your relatonship, and tell her to offer something you NEED. 4) If the lock up period is a problem, plans nowadays have a variety of flexible options. There's no savings plan for the sake of a savings plan - saving is NOT enjoyable NO MATTER where you put it. SPENDING money is fun, not saving it. But it remains a STATISTICAL fact thats UNCONTESTABLE that inflexible money makes more money. Even if you insist on ETFs, for example - taking it out just one or twice destroys your return record for a 5, 10 year period (causes a significant change. So if it meets an objective, why not? And if it doesn't, it means YOU dont care as much about the objective as you thought and YOU can tell her that much with a clean conscience. She'll get it from there.