I did buy some fund from one adviser several years ago

The fund charges back load and a percentage of that goes to the adviser. My understanding is that mutual funds charges loads (front, back, whatever), and those are the cost you pay. I don't think that you will save money by using an adviser. But I might be wrong.

Actually that's one of the reasons that I am against the advisers, they tend to choose the funds that charges higher load fees. The one I got from this adviser performs mediocre and charges heavy loads. I was very inexperienced and fell for it.