Churning is when a financial advisor or broker buys and sells investments in a client’s account more frequently than necessary, mainly to earn extra commissions or fees. While some trading is normal, excessive trading that doesn’t serve the client’s best interest can reduce returns and rack up unnecessary costs. Churning is considered unethical and may be illegal, especially if it goes against what’s best for the investor. If you’re working with a financial professional, it’s important to ask questions and make sure any trades they make are actually helping you reach your financial goals.