FAQ

Who pays for the advisor's services?

A) You do not pay us a fee. We are paid by commissions and trailers from the fund company where your money is invested.

If you redeem your investments in the first 7 years, you will be charged a fee by the fund company called Deferred Sales Charge. These fees are on a declining basis from year 1 to year 7. Approximately, year 1 is 5.5% and year 7 is 2%. After that it is zero.

However, you can always withdraw 10% of your money in any one year without a fee. If you do not withdraw it, it will be available to you in the following year, in addition to the 10% you are allowed to withdraw that year.

B) Alternatively, you can pay an upfront fee to us, called Initial Sales Charge, or Front End fee, when you buy your investment. Your advisor and you can agree on how much to pay. It can be anywhere from zero to 5%. Then you will not be charged any deferred sales charges whenever you withdraw any money.

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