I do appreciate the honesty displayed in this topic which is similar to what is going on in the market as a whole. ETFs and straight up service fees in the investing community is happy change for the market as a whole. sdr and BG announcing the costs and giving specific info on data very appreciated and informative and I thank the OP for bringing that out. My wifes family biz is dealing with the Health Care fiasco as an agency and are picking up biz from old school agents that have sat on their ass by being upfront about their commissions (which don’t cost their clients anything).
The market benefits from all this openness! (Although we could get a little more from the law side ;-).