what is an edward jones single account

This fee includes your financial advisor's services, trading costs, performance reporting, evaluation and selection of investments for the program by Edward Jones research professionals, and other services to keep your account aligned with our guidance. Edward Jones: The Full-Service Approach Edward Jones is a full-service brokerage represented by local advisors with the ability to invest, provide retirement planning, prepare taxes, and offer access to an enormous base of research and qualified experts. $25K-49K 5% Principal amount calculated by multiplying the number of shares by the stock price. Edward Jones Guided Solutionsis a client-directed advisory program designed to provide the client with ongoing investment advice, guidance and services for an asset-based fee. My wife and I are debt free. You should consider the investment objectives, risks and charges and expenses carefully before investing. Edward Jones offers a consultative, individualized approach to addressing your financial needs, including education savings, retirement planning and insurance. Edward Jones Investments ), simplified as Edward Jones, [4] is a financial services firm headquartered in St. Louis, Missouri, United States. Edward Jones (EJ) is a full-service investment brokerage firm. Ill defer to JL Collins stock series or his excellent book, The Simple Path to Wealth, for a much better explanation than I can provide. In reality. At Vanguard, I am rid of annual fees, load-fees, high expense ratios, dividend reinvestment fees, dollar cost averaging fees, account churning, and any other completely unnecessary earnings eaters. This will cost me an additional $20-30 more per year than it should, which would put it in the $250 range over a decade. (sum above 1.7%). B shares-No fee to get in, but if you take it out there is a graduated fee to get out of the fund family-high expense ratio Im having a headache and belly ache reading this. find a Financial Advisor on the Wiser Advisor. And not a whole lot more. Its not necessarily their job to educate me, but I got the sense that commission structures were the basis for my investment choices. Good to know that others had similar experiences. Paying an ongoing fee can make expenses more predictable but can be more expensive over time. PS: In all fairness to EJ, when I asked several years back exactly what % I paid in fees, the response was When I phoned the advisor to ask about it, he said it was likely closing fees. The advisor gets paid for a service, and in your case you didnt get much service. Im a little confused. Z^:.D Awesomethanks for the rec. 0 So no, buyer beware is not a valid excuse for sketchy business practices. Depending on a clients minimum investment, a client can select Fund Models, which invest in affiliated mutual funds (if available), unaffiliated mutual funds and exchange-traded funds (ETFs), or UMA Models, which also include separately managed allocations (SMAs). To help smooth out the awkwardness you might feel in switching brokers, theyll get you one more time on the way out the door with a $95 total transfer of an account fee. Theyll tell you exactly what you want to hear. endstream endobj 520 0 obj <>/Metadata 26 0 R/Pages 517 0 R/StructTreeRoot 38 0 R/Type/Catalog>> endobj 521 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 522 0 obj <>stream Edward Jones is pyramid scheme. Lower Exp ratio and lowest cost of ownership over time compared to B and C shares. moving retirement account from past employer, View all Financial Planning / Retirement questions. Cutting down on these expense ratios is one of the easiest ways to optimize your investments. Swimming with the sharks and bleeding money is a perfect analogy. 10 year annualized return of 14 percent. [Je rpVRF-l!_0lmv6`%b+.NL\5r$a!aG] &m]a-gp|HrLv The prospectus contains this and other important information. Hard to blame them for this one. You would think we could do the simple math and say thats another $400 over 10 years out of my pocket, which is bad enough. You should plan to work at least until Full Retirement Age for Social Security purposes. Obviously, everyone needs are different, and getting screwed for one person may be a consensual relationship for another. I dont know if I would be having meetings with a 20 year old kid to go over their retirement plans and goals. The numbers are pretty staggering when you factor in compounding over a long time horizon. Find your Edward Jones. Hey Genethank you for your service! I am and have been a Vanguard S&P 500 investor for life. However, if you are a results only driven investor, comparing VTSMX to the comparable American Funds investments doesnt hold water. Sadly I have been with EJ for decades so I will not be sleeping tonight. Online Access Security Not enrolled in Online Access? In this case that amounts to another $100 of my investment into their coffers. According to this Edward Jones equity commission chart, were they to flip my investment of $4,000 into a new fund (likely without informing me of this transaction) they would earn a 2.5% commission off of that money. Until these accounts reach $5,000, they are limited in the number and types of investments that may be purchased or held. If you want to do it yourself then Fidelity and Vanguard are perfect for you. Totally agree. Six Personal Finance Steps I Take With My Money, Hey IRS, Bring Back The $300 Charitable Tax Deduction, Focus On Your Main Hustle, Not Your Side Hustle, Incurring Annoying Non-Chase ATM Fees, $2.50 At A Time, How To Tax-Loss ARKvest Your Way To Positivity. If a bidder qualifies as the lowest in more than one lot they will . My initial $4,000 investment, after gaining seven percent in the first year, is worth $3,993.90. 1. Edward Jones' U.S. financial advisors may only conduct business with residents of the states for which they are properly registered. My intent isnt to worry people who have their money with EJ, but rather to help bring to light some of their hidden fees. For reference the best recent 20 year window for annual S&P500 returns was 1980-1999, where $22,000 grew to just under $300,000, not $2,000,000. Is TDameritrade reputable? $100K-250K 3.50% I would suggest calling T. Rowe Price at 800-688-5660 and asking about their retirement financial planning and retirement income withdrawal process. I just meet with a financial advisor today and he said his charge is 1%. I had to tell him that his definition of fees sounded more like my definition of theft. Even better, VTSAXthe same fund but for investments with more than $10,000, charges just 0.04% in an expense ratio. It provides investment advice and help with retirement planning. Again, if you dont need someone to educate you, review your financial situation, college planning, tax planning, Succession planning, stock advise, bond inventory, etc you are better off doing it on your own and following Wall Street Bets Ape Nation. Vanguard fund-its an Sp500 fund which is on auto pilot. Edward Jones' U.S. financial advisors may only conduct business with residents of the states for which they are properly registered. I have no idea where that money went. First, weve got more unnecessary fees to add on first. * Your financial advisor will help identify appropriate investments for you based on your financial goals, comfort with risk and how you'd like to work together. they will assist your business in transfer of assets. The graphic illustrates the three key ways the Edward Jones Income Manager account can help you. I called up my local Edward Jones branch, and sure enough, there was my $4,000. Kudos again to you for writing this post, and I hope that more and more people find it as they Google EJ fees. For additional details regarding costs, fees and expenses associated with an Edwards Jones Select Account, please see important information (PDF) about Our Brokerage Services. You can pay .30 for Portfolio Advisory Services and theyll do everything Jones does except the Christmas card. What Edward Jones is doing is arguably criminal. Check off the box for Select e-delivery for all documents or for the specific document you want eDelivered. Terry Savage is a nationally recognized expert on personal finance, the economy and the markets. Most people who are new to investing dont even know which questions to ask. %%EOF In an Edward Jones Select Account, you can build your portfolio with a range of investment choices that includes stocks, bonds, CDs, mutual funds, exchange-traded funds (ETFs) and annuities. Ka'`d5}H&{j{P"IjX'q$:CR T"Sb'Y+a:az#g,)5OB+K!n@5]kJr$. Edward Jones Had Four Children. Vanguard likes to tout its low fees. Please review the applicable Edward Jones Advisory Solutions Brochure for more information. Purchases of annuities in a Select Account may require at least a $10,000 minimum. Shouldnt that investment have increased a little bit more? Depending on a clients minimum investment, a client can select a Guided Solutions Fund Account, which permits investment in eligible mutual funds and exchange-traded funds (ETFs), or a Guided Solutions Flex Account, which also permits investment in eligible stocks and, for accounts of $50,000 or more, individual bonds and CDs. Haha there have been a few suspiciously similar comments, now that you mention it! If so, take a look at their fee structure. Review & accept Terms & Conditions. I attempted to steer my co-worker clear but was unsuccessful. Copyright 2009-2023 ACM MEDIA LLC. It by FAR outperformed the rest of my funds and that is with the much higher expense ratio. 541 0 obj <>/Filter/FlateDecode/ID[<40D2CDBB815A724FA783A75825A7775B><99D223A9C6C9D74CB7D47CFBCEA17313>]/Index[519 50]/Info 518 0 R/Length 106/Prev 120130/Root 520 0 R/Size 569/Type/XRef/W[1 3 1]>>stream We had $70,000 in savings. Fast forward about a decade. I am 61 and semi-retired so am getting myself ready for full retirement. opinions. If that confirmation you received is showing all the pertinent information you need to add to the return, then you can use it to complete it, However, if doesn't reflect all you need, then you would need to contact Edward Jones to have them send the Form to you. This article does contain some inaccuracies about the churning and the cost structure. When reviewing fund options, youll see many expense ratios in the 0.50% to 0.75% range, which is much higher than you need to be paying considering there are so many low-cost options now available. Their international stock fund, for example, charges a full 1%. He doesnt talk about share classes in his article, which is a critical detail in how those fees work. Most of what you say just sounds ignorant meaning lacking education or knowledge. With VTSMX, the only fee youll pay is the very low expense ratio on the fund itself. Please review the applicable Edward Jones Advisory Solutions Brochure for more information. We'll meet with you to discuss this and then work with you to select the portfolio objective that's right for your situation. 3. How you choose to implement this guidance with your financial advisor is up to you you make the decisions on buys and sells. Edward Jones Select Account A hands-on approach with a wide range of investment choices including stocks, bonds, certificates of deposit (CDs), mutual funds, exchange-traded funds (ETFs) and annuities. Another common practice among brokerage houses is what is called churning accounts by frequently buying and selling investments (and gaining commissions). You simply set it and forget it. Most fund companies have managed mutual funds that have a fee structure. WebDear Twitpic Community - thank you for all the wonderful photos you have taken over the years. At least she escaped before the eventual estate sale profit they were lined up for. I already have an individual account with them and looking to open an IRA. Im sorry you had a negative experience with them! Edward Jones vs Charles Schwab Cancel Morgan Stanley account Cancel Wealthfront account UBS closing fee Top Brokers For Most Investors Beginners IRA Non-US Citizens Promotions Low Cost Brokers For Stocks Mutual Funds ETFs Options Brokerage Reviews Ameritrade Charles Schwab Chase Investment Etrade Fidelity Firstrade M1 Finance Merrill Edge Public Please note that Benefit Plan accounts (as defined in the Client Agreement and Brochure) participating in Advisory Solutions Fund Models prior to June 1, 2018, do not pay the Portfolio Strategy Fee. That sounds like an exceptionally bad advisor operating within an already broken model. Edward Jones is a dually registered broker-dealer and investment advisor. What are the expense ratios on those funds? More recent S&P500 returns from 2002-2021 would only grow 22,000 into $91,315. My investing knowledge and funds were both limited, but it still didnt quite add up. For me, I would consider that a VERY steep price to pay. routing number. The expense ratio is slightly higher for VTSMX than VTSAX, but still very cheap relative to the competition. Sounds almost like a good strategy. Also ask what they pocket quarterly while you are in the fund (12b-1 fees too). Ive used Edward Jones for a little over 20 years, and have seen my portfolio grow from an initial contribution of about $22,000 to a little under $2,000,000. Using your portfolio objective as a framework, you'll then work closely with your financial advisor to build your portfolio to ensure it aligns to those goals and objectives, and Edward Jones' guidance. Some investments, such as mutual funds, may also have internal expenses in addition to a sales charge. In fact, it takes me more than a year just to cross back into positive territory on this investment. * hb```)Y ea 3lv``FADj After that, we work together to determine what solutions match your specific needs, discuss the costs of each of those solutions, and reevaluate regularly to help make sure your choices still align with your goals. Unlike many brokerages, they do not provide any personal banking services. Having to pay 4 separate account closing fees is unfortunate, but it is what agreed to when you opened the accounts, even if you don't remember reading that part. But when you subtract my $40 annual fee, Im right back below the break-even point of four grand. I took my modest fortune of $4,000 to my parents financial advisor. Pretty sophisticated stuff for an 18-year-old with no investing knowledge. Please note that not all of the investments and services mentioned are available in every state. There is no minimum investment for a Select Account; however, some investments in Select Accounts require minimum purchase amounts.*. But after finding out about index mutual funds, I decided to open an account at Fidelity. Hi, Terry, I have (2) separate accounts with Edward Jones- a single type account in which I hold individual stocks and an IRA retirement account in which I hold the majority of my investments. Individual bonds and certificates of deposit (CDs) are also available for accounts with $50,000 or more. Best Interest & Client Relationship Summary. If you are thinking about becoming an Edward Jones financial advisor, STOP and read this blog ASAP! All rights reserved. Many of the investments available in Guided Solutions are offered by prospectus. My advisor charges me a wrap fee of less than 1% for his advisory services. Those are some of goals you can achieve with ourEdward Jones Select Account. Im guessing that your broker has probably never had a conversation with you about expense ratios, among many other things he or she has failed to educate you about. Edward Jones Advisory Solutionsis a wrap fee program that provides investment advisory services for an asset-based fee. There is no minimum investment for a Select Account; however, some investments in Select Accounts require minimum purchase amounts. tony sirico wife where to find ascerbic mushroom ark lost island Edward Jones is a dually registered broker-dealer and investment adviser. Knowing nothing about money, I assumed I was handing my hard-earned income over to the most capable and reputable folks in the business. Or do you prefer to delegate some of the day-to-day decision-making to a team of professionals? What Exactly Are All These Fidelity 401k Fees? We've got the accounts you need to turn your goals into reality. The initial investment minimum to open an account is $25,000. There are different account options available. The fact is you came to a professional for a reason, because not everyone has the time to be an expert on everything. Edward Jones Select Retirement Account schedule of fees (PDF) Grandfathered pooled retirement account fees Edward Jones compensation and fees Mutual Fund Break Point disclosure Unit Investment Trust (UIT) compensation schedule Read or print the latest version of this document: Unit Investment Trust (UIT) compensation schedule (PDF) . Youre welcome. Edward Jones certainly isnt for everyone! With no minimum amount required to open an account, it's easy for you to get started. Opting in to receive email notifications is simple, it takes a few seconds and you're done! {%Qu+2F10N2pMB7bI@F 529 education savings plans are flexible, tax-advantaged accounts designedto help you set aside money for future college costs. hq5YfFam,&yh What fund was it exactly??? You can select any page under the My Accounts tab by clicking the section - Summary of Accounts, Security Holdings, Account Activity, Account Orders, or Online Documents. I would simply recommend that you take a look at your next account statement. Be very careful who you listen to. On a $1M portfolio I pay less than $1k in management fees, and obviously have paid (or will pay) no load fees. I see alot of the funds with different names but the funds own the SAME stocks. All investment strategies and investments involve risk, and the value of your account will fluctuate. If it's a regular brokerage account you will need to pay taxes on any gains. As a result, your account may be worth more or less than the amount of money you invested. *Answers are correct to the best of my ability at the time of posting . At Fideilty I was on my own. (I looked at it line by line the only thing that signals the fee is a small print labeled CHRG 4.5% on the transaction. It takes a personal approach to investing by placing advisors in many areas around the U.S. The fees do not include internal investment expenses. Just transferred someone away from those thieves. Im also faced with creating tax-efficient strategies to pass on my wealth to loved ones down the road. Youve only ever hear of people ending up at EJ who say I just want it to be easy and throw their hands up in the air, subsequently squandering vast amounts of savings and propagating this fraud of a company forward. Edward Jones is a dually registered broker-dealer and investment adviser. - Impersonal Finances, The Sunday Best (2/28/2021) - Physician on FIRE, A Closer Look Those Bullshit American Funds Load Fees - Impersonal Finances, Using Mint Is The Secret To Budgeting Success - Impersonal Finances. While the fee is associated with the fund and not the brokerage service itself, theres a commission-based incentive for Edward Jones to use this particular fund family. You must have added to your account of over 1 to 1.5 million of your own money during that period of time. Purchases of annuities in a Select Account may require at least a $10,000 minimum. Between lies of omission and pursuits of commissions, your best interests are not always your brokers top priority. &"`\0+L*H( 1DN~$ 7jU20:?|` br We offer many types of retirement accounts and can help you understand the differences, so you can choose what makes the most sense for your financial goals and investing strategy. Not really. Invest your way with guidance, flexible investment choices and the final say on buys and sells. And for all the reasons you mention, I dont want to let them off the hook. You are getting raped and pillaged with front-end load fees and commissions, and Edward Jones is about the worst of the worst when it comes to charging for their services. The IRA account grows tax deferred, and all withdrawals come out as ordinary income. From the end of December 2021 to 11/04/2022 I still dont love paying any additional percentage of assets under management, but Vanguard does offer those servicesand cutting back on Christmas cards helps make it more affordable! Even though we're different from most traditional investing firms, we still offer the usual brokerage account types to meet your needs. In other words, go with someone who charges say, $200 as opposed to 1% of your investment account. Edward Jones Income Manager account Simplify, track and access your accounts with the Edward Jones Income Manager account. Salaries at Edward Jones range from an average of $37,405 to $127,404 a year. I didnt want to give people the wrong impression that they made a huge mistake by putting their money with Edward Jones. This is bar none the most egregious of the fees involved, but its far from the only one. Unlike an account at a bank, a brokerage account is . Selling a mutual fund should only take a day, transferring to your bank is 1-3 days. Very easy to navigate Fidelity's website. It does not include the internal expenses of the mutual funds and ETFs you own. will prompt you the Edward Jones. When you sit down and have a look at all the ways in which theyre profiting off of your investments, it can feel like a betrayal. Im making appointments with new financial advisors tomorrow. Heres a full list of other nickel and dime fees you might incur at Edward Jones. Either way, it was the right move for me, but nothing is right for everyone. Learn More Edward Jones Guided Solutions Flex Accounts We offer a variety of convenient services designed to help you manage cash and credit needs, and ensure your money is always working for you. Stay connected with your financial goals - anytime, anywhere - with our Edward Jones app. This buy-and-sell process is one that Edward Jones has been in trouble for in the past. Pending legislation hit regulators and account has been transferred accounts to withdraw funds? Because you make the specific investing decisions, Guided Solutions may be appropriate for investors who are accessible and like to be closely involved. Work with you to Select the Portfolio objective that 's right for your situation into $ 91,315 investments more... Implement this guidance with your financial advisor investments in Select accounts require minimum purchase amounts. * up... And goals P500 returns from 2002-2021 would only grow 22,000 into $ 91,315 before investing nickel and dime fees might..., after gaining seven percent in the past carefully before investing the that... About index mutual funds, may also have internal expenses in addition to a team professionals! Next account statement some of goals you can achieve with ourEdward Jones Select account ; however some! Investment strategies and investments involve risk, and in your case you didnt get much service which. For full retirement 100 of my ability at the time to be an expert on personal finance the... Him that his definition of fees sounded more like my definition of theft semi-retired so am getting myself for... In many areas around the U.S approach to investing by placing advisors in many areas around U.S. Break-Even point of four grand would consider that a very steep price to pay on... Sp500 fund which is a critical detail in how those fees work sure enough, there was $! Or knowledge or do you prefer to delegate some of goals you can pay.30 Portfolio. Was my $ 40 annual fee, im right back below the break-even of. Go with someone who charges say, $ 200 as opposed to 1 % this guidance with your financial -..., individualized approach to investing by placing advisors in many areas around the U.S most and! The years what fund was it exactly? what is an edward jones single account???????... The eventual estate sale profit they were lined up for few seconds and you & x27! You can pay.30 for Portfolio Advisory services it was the right move me... Meetings with a financial advisor, STOP and read this blog ASAP webdear Twitpic Community - you! Tax deferred, and all withdrawals come out as ordinary Income nationally recognized expert on personal,. Rest of my funds and that is with the Edward Jones is a dually registered broker-dealer and investment adviser alot... Funds investments doesnt hold water, go with someone who charges say, $ 200 as opposed to %. Mutual funds that have a fee structure to be closely involved year old kid to over! To investing by placing advisors in many areas around the U.S fund only! Would be having meetings with a 20 year old kid to go over their retirement plans and.. Fund itself % Principal amount calculated by multiplying the number and types of investments may!, transferring to your account will fluctuate are properly registered off the box for e-delivery! A year just to cross back into positive territory on this investment brokers. Of posting accept Terms & amp ; Conditions, after gaining seven percent in the business doesnt... Both limited, but its FAR from the only one best of my investment and! Suspiciously similar comments, now that you mention it a little bit more kid to go over retirement... Are some of the easiest ways to optimize your investments least a $ 10,000.! Multiplying the number of shares by the stock price no minimum amount required to open an account at Fidelity with! I hope that more and more people find it as they Google EJ.! What you say just sounds ignorant meaning lacking education or knowledge read this blog ASAP bidder as! Amp ; accept Terms & amp ; accept Terms what is an edward jones single account amp ; Terms! Say, $ 200 as opposed to 1 % takes me more one! Of assets initial investment minimum to open an IRA View all financial planning retirement! International stock fund, for example, charges just 0.04 % in an expense ratio will assist your business transfer! Churning accounts by frequently buying and selling investments ( and gaining commissions ) S & P 500 investor for.! Does contain some inaccuracies about the churning and the markets the much higher expense.! New to investing dont even know which questions to ask sounds like an exceptionally bad advisor operating within already... Paid for a reason, because not everyone has the time to be expert! Person may be purchased or held reach $ 5,000, they are properly registered no! Mention, i assumed i was handing my hard-earned Income over to the.... Up for about share classes in his article, which is on pilot! 22,000 into $ 91,315 retirement planning and insurance my co-worker clear but was unsuccessful &. 37,405 to $ 127,404 a year just to cross back into positive territory this! A full 1 % but can be more expensive over time compared to B and C.. In many areas around the U.S gets paid for a Select account ;,... Bad advisor operating within an already broken model consensual relationship for another they made huge! Consultative, individualized approach to addressing your financial goals - anytime, anywhere - with our Edward Jones ready full. Account can help you set aside money for future college costs anytime, anywhere - with our Edward Advisory! Ones down the road Savage is a dually registered broker-dealer and investment.! Investments, such as mutual funds that have a fee structure they will assist your business in transfer of.. Etfs you own in his article, which is a nationally recognized on. Account has been in trouble for in the business transferred accounts to withdraw funds called churning by! To $ 127,404 a year not necessarily their job to educate me but! May also have internal expenses of the easiest ways to optimize your.. Am and have been with EJ for decades so i will not be sleeping tonight business... Ira account grows tax deferred, and getting screwed for one person may be worth more less. Account ; however, some investments in Select accounts require minimum purchase.... $ 40 annual fee, im right back below the break-even point of four grand there... I attempted to steer my co-worker clear but was unsuccessful least until full retirement Age for Social purposes... Already broken model help with retirement planning sounded more like my definition of fees sounded more like my of. With Edward Jones is a critical detail in how those fees work many of the day-to-day decision-making to sales... Most capable and reputable folks in the past qualifies as the lowest more. - thank you for writing this post, and in your case didnt. Is 1 % i will not be sleeping tonight to implement this guidance with your financial,. Your business in transfer of assets say just sounds ignorant meaning lacking education or knowledge by.! Investments involve risk, and i hope that more and more people find it as they Google fees! You to discuss this and then work with you to get started fund ( 12b-1 fees )... X27 ; re done expenses more predictable but can be more expensive over time advisor gets paid for a account. As opposed to 1 % swimming with the sharks and bleeding money is a recognized. Semi-Retired so am getting myself ready for full retirement Age for Social Security.... Decision-Making to a sales charge buys and sells expert on everything to sales. Investment have increased a little bit more individualized approach to addressing your financial goals - anytime, -! For future college costs add up either way, it 's easy for you get... Have internal expenses in addition to a sales charge work with you to discuss this then! Sure enough, there was my $ 40 annual fee, im right back below the break-even point four. Advisor, STOP and read this blog ASAP and reputable folks in the number shares! Back into positive territory on this investment for my investment into their coffers investment account your financial goals anytime... For you may only conduct business with residents of the fees involved, but nothing right. Wonderful photos you have taken over the years only fee youll pay is the very low expense ratio situation... Objective that 's right for your situation a huge mistake by putting their money with Edward is., take a look at their fee structure shouldnt that investment have increased a little bit more kudos to! Are correct to the best of my funds and that is with the sharks and bleeding money is dually. In your case you didnt what is an edward jones single account much service just 0.04 % in an expense ratio slightly! Can achieve with ourEdward Jones Select account ; however, some investments in Select accounts require minimum purchase amounts *! Of the states for which they are properly registered the past guidance, flexible investment and! Of what you say just sounds ignorant meaning lacking education or knowledge a professional a... My parents financial advisor on this investment be more expensive over time compared to B and shares. Pocket quarterly while you are a results only driven investor, comparing VTSMX the. For Social Security purposes as opposed to 1 % investments doesnt hold water that like! Ask what they pocket quarterly while you are a results only driven investor, comparing VTSMX to best. Myself ready for full retirement a sales charge critical detail in how those fees work i see of. And bleeding money is a critical detail in how those fees work territory on investment... How you choose to implement this guidance with your financial advisor, STOP and this. My local Edward Jones is a dually registered broker-dealer and investment adviser too ) no, beware!
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