edward jones vs personal capital

The Financial Advisory Group. Both during strong market rallies and market crashes, theyve underformed Betterment. An advisor fee is a fee paid by investors for professional advisory services. An adviser is not the final say or word, your word is final, and if you allow an adviser to have that, then you have lost control over your investments. We can best compare Edward Jones and Vanguard by assessing their investing products, minimum investments, fees and commissions, transfers, financial advising, and ownership models. They have always a Free app, and it is funded by their Paid investment management services. Have been so for quite a few years. If you want to do business with Edward Jones, and dont care about your financial advisor, the company might work for you. They just collect their fee. No one can tell what the future holds, so the only thing you can control is cost. All products are presented without warranty. In financial advising, you get what you pay for, like most things in life. No Reconciliation Tool You cannot reconcile your monthly bank statements to ensure all transactions are accounted for. You can pick what works the best for you. Absolutely not true. After dealing with them for 2 years, Im finally closing my investment account with them for good. First of all did you forget about the 49% intrayear decline in 2008, had you owned that index? For all other account types, the broker charges a Program Fee that's a percentage of the value of your account. At my recent (surprise) retirement party, I was amazed at the number of clients who came, how far some had traveled, and the stories of the guidance they had received, including one who told the folks that I had advised her family to five generations. You are on a list to either get sold an investment, upgrade to advisory solutions after 2 years of being in a brokerage account, or other things to deepen the relationship. You need to pay close attention to the annual fees in your 401(k) plan. That, not commissions or fees, is the reward of giving people the advice they need. Buffet says that for small investors with little experience and even less knowledge. You get what you pay for. My buddys wife that worked there called it The FIRM as in you had to drink their Koolaide. The survey was fielded April 4th 2022 WebLike all full service firms, Edward Jones is charging a percentage of all client's assets EVERY year as a fee anywhere from 0.50% to 1.50%, plus an annual fee of $300. There is no way to actively manage large numbers of accounts, you have to use boring stale models that have very average returns. Priority access to advisors, full financial plan, banking services, customizable stocks, bonds and ETFs. Take the word of a company that has been brought up multiple times in the comments section: Vanguard. Its more important to look your financial goals and what displine and strategy will you have to get there. It even adds in inflation. All Rights Reserved. I came to find out they are a truly evil company. (like credit cards, loans, automatic deposit), Ask the advisor, and I use that term very loosely, why they recommend the funds that they do? I do my own ETFs / Individual stock trades though my Schwab account. retirement. It is through a comfortable, trust worthy, respectful, professional relationship that solves this so-called conflict of interest. They have zero purchase and redemption fees on most all mutual funds. Because there are no robo advisors, Edward Jones advisors generally get paid on straight commission. The main advantage of Betterment and Wealthfront is that both robo advisors only charge 0.25% in annual management fees, which is significantly less than Empower. Edward Jones does have fees. Custom Allocation of Unknown Assets Empower now allows you to categorize unknown assets. I agree with your points, we know and trust our Ed Jones people like family. So, once a good advisor articulates to you the timeless, simple truths of 1 and 2 above, 1% per year to get you to where you want to be in the most efficient way possible shouldnt sound too bad. This year, for the first time, I owe a $40 fee for having a self-directed IRA. Im confused by your comment. American Funds Balanced I cannot recommend EJ. The cold hard fact is Edward Jones is very expensive and doesnt provide great service if you dont have very much money. This company has over $7 Billion in revenue and over 45,000 employees as of 2017. Both are highly rated financial services platforms. Edward Jones is a privately held partnership and is not for sale. The robo-advisor model has taken the financial industry and turned it on its head. If you want a relationship and friendship, go get some friends and leave your finances out of the picture. Most of Empower's tools are completely free, like its net worth tracker, budgeting tools, and savings planner. For some, a 6% average annual rate of return is sufficient over the long term for others, 8% may be required (unless working longer or spending less is an option they are willing to budge on). Keep in mind, you get what you pay for, folks. And the fee is always part of the agreement, in fact the new account paperwork signed by the client agrees to it. Additionally, through rebalancing and proprietary algorithms, robos pledge less investment volatility or risk. We dont always see eye to eye with everyone but good communication is key to a good working relationship. As you can see, Edward Jones is a viable option; however, it is expensive and there are better alternatives. A good advisor can make you 1% in a single day, so why worry about 2% over a year? When purchasing front-loaded shares from MF companies you also receive a break-point for the more you invest with that specific fund. One fund to rule them all. Its actually protecting the assets and the beneficiaries, by not allowing anyone access until all legal documents are in to prove who has legal rights to the information. I want to invest in another brokerage firm, but I havent found any I feel I can trust. And higher fees, over the years, add up to a huge difference. I recently reviewed an account that was fee-based and this is what I found. The portfolio strategy fee is another tiered fee for all broker-provided advisory solutions. Any of these accounts are perfect for getting ahold of investments, something that all investors want to do as quickly as they can. If they dont get you results OK, but Jones seems to outperform in down markets regardless. Note that the costs you pay in a Guided Solutions accounts are fee-based, not fee-only. Fisher Investments is another wealth management firm that comes with high-fees and various solutions to help you manage your wealth. And you still get features like tax-loss harvesting and automatic rebalancing for this fee. Our popular Retirement Planner tool allows you to run simulations with your Investment Portfolio and incorporates expected returns and volatility in your retirement years. And then trust the Vanguard LifeStrategy fund to give you proactive advice about your financial situation, taxes, estate planning, and long-term financial goals. I was with EJ for 2 years and never got any sound financial advice from my broker. What you gain for your 1.35% flat annual fee is a decent profit. In this back-and-forth between everyone in this thread are not even being discussed.If you people are going to argue about fees and performance, and passive VS managed, and DIY VS an advisor, you must understand that there are simple, timeless truths at the foundation of the argument that you are failing to integrate here. How has it done since the start of this year? Empower calls it a 360 View of Your Financial Life. In contrast, a robo-advisor will funnel a user into a particular category based on the initial questionnaire. b. The survey was fielded April 4th 2022 For each trade that they make, they are usually making a cut of about 36% to 40%, something that can be significant if they grow your money substantially. Support via Many Apps Empower has an app for Apple iPhone, iPad, Apple Watch, and Android. However, its important to note that it charges slightly higher fees than Fisher Investments, ranging from 1.25% to 2% to account for mutual fund fees. World diversification. Get educated and do it yourself with a discount firm like Vanguard. In the latter case we are talking about one incidental luxury a person indulges in; one fraction of a persons overall life expenditures. This arguably depends on your level of expertise. Edward Jones offers both accounts so that their clients can choose what is best for them, unlike some of their competitors that moved to a fee only service. WebIn 2022 a total of 11,506 respondents were interviewed. On a $400,000 trust we paid $15,500 in administrative costs n one year which works out to almost FOUR PERCENT. Nice cheap shot there. So there are no hidden fees. I loved the comments by the EJ spouse, and as opposed to you and your comments, she showed class. With this option, investors will still be able to dabble with their money but will have guidance along the way. Easy to Use Account setup is brain-dead simple. What needs to be looked at in truth is the return you are getting, going to get you to achieve your financial goals. First $1 million. I cannot. Do not think for one minute your FA will pick the first stock for you . 78. You are correct there are other firms that do this but they are equally expensive. Theyre no longer stock-brokers like youre treating them. Take that up to the $10,000 range and youre looking at paying about 1.50%. Those EJ locations are run by humans. Brother. This account comes with no minimum investment requirement. I have dealt with both. 80. These big company processes never favor your returns, they favor their returns. However, within a year, the pipeline investments had melted down to about 0. All products are presented without warranty. Empower is an automated platform, but you can speak to advisors online or by phone. I would challenge the writer to challenge his own assertions. Find a range of services to help you manage your cash and credit needs, all in one place. WebIn 2022 a total of 11,506 respondents were interviewed. My advisor refused to talk to me about it, and left me holding the bag. the kicker is they still take the fee. Personal Capitals free financial tools offer a variety of features for retirees looking to grow their nest eggs. 1-2% annual fees are high by most standards. First $1 million. My little town of 13,000 people has 8 EJ Financial advisor offices. The same fund but two different series. They are ruthless, in it for themselves and EJ, EJ should have gone under as a company a long time ago. I am a 20 year plus veteran broker. Because they either cant custody Vanguard assets (which makes them a crappy custodian) or theyre just in it for the money. I didnt want to pay him for the exact same service and options I could get completely free at fidelity (or other places). View all services. Other security practices that help ensure your data is safe include: Everything is automated on Empower, and it's easy to use on both desktop and mobile. Many investors take the load (for example 5.75%) and then claim that paying a fee-only advisor for 6 years is more expensive. 171 of 188 Vanguard mutual funds have outperformed their Lipper peer group averages. A few key things that they do in the process include: The investment group has a few account options, most of them catered to different types of investors. I havent even touched on how maintaining the proper allocation (mix of stocks vs bonds AND exposure to the different asset classes among those) is crucial to maintaining your proper investment mix to reach your goals with the least amount of volatility (some call this risk) in the interim. Dont get too touchy feely with them this is business, you have plenty of friends your advisor relationship needs to stay mostly professional. I interviewed with them and RAN out the door when I heard what they do. The 2% load fees are horrific and morally criminal. Plus, 1.3% annual fees and 2% on reinvested dividends. No online trading it would defeat the purpose for me. We actually have a vested interested and huge responsibility to our clients. Pulling in the average college costs by your state and the number of years you'll have until your child goes off to school, Empower calculates an amount you'll need. I am guessing far worse, especially when adding in the 5.75% load fees (that come out of your investment). This is one of the most comprehensive retirement calculators out there. But should everyday investors use Edward Jones? They also pay more. Some times I think I have over a million in EJ funny money because I dont know how much I would have if all the assets were suddenly sold, which one FA threatened to do. Of course, the logic is that the Edward Jones fees are more than covered by a formidable long-term return on investment (ROI), which it says is achievable only when you work with the Edward Jones team. Legacy Wealth Management. Do your own research. When comparing robo advisors to investment groups like Edward Jones, there is one big thing they dont have in common, fees. Empower is three services combined into one. They have to get paid somehow. Been with EJ for over a decade and often see articles like this that make me wonder if I am paying too much.thank you! An advantage of this type of account over a Select Account is that you have access to the same variety of markets, but your wealth management benefits from expert input. Getting to work with a human advisor is a selling point for Empower, as is its range of free tools and calculators. Edward Jones offers in-person advice and investment management services through its 19,000 advisors across the U.S. and Canada. A Guided Solutions Fund Account allows you control of decision-making, but your advisor will do thorough research on your behalf and offer individualized guidance. For investors interested in rock-bottom fees and automated platforms, there are many robo-advisors or digital advisors from which to choose. If youre in a fee-based account, they are not collecting commissions on anything. So they were good from that standpoint. (Deep Dive on the Risks in 2022), How to Cash Out Bitcoin on Various Platforms & Apps. How to Boost Your Savings With a CD Ladder, How to Know if a Company or Fund Is Really ESG, 529 plan (qualified college tuition plan), Hometap Review: 10-Year Home Equity Investments for Cash-Poor Homeowners, reAlpha Review: Real Estate Investing for Short-Term Rentals, http://www.jdpower.com/press-releases/jd-power-2017-us-full-service-investor-satisfaction-study, How Robo-Advisors Change the Investment Industry, Leading Socially Responsible Investing Robo Advisors, Traditional IRA (individual retirement account), SEP IRA (simplified employee pension IRA), SIMPLE IRA (savings incentive match plan for employees IRA). You also cannot Churn in a fee-based account because you do not pay commissions in a fee-based account. I recommend two websites: morningstar.com and feex.com This is my question at this point. If you are in a good mix of funds and stocks you will out perform those low cost vanguard funds even after the fees. Jordan, hate to tell you this but there is NO way EJ can beat low cost Vanguard funds with an expense ratio of less than 0.09 percent. So I pulled 95% of my investment (all equities in boring companies like GE and IBM and U. S. Steel, that kind of thing) and put it into cash. At the center of how Edward Jones works is its geographical structure. I wish the EJ model worked for me, because I really dont know how to get from here to there. Unlike some of the new tech-heavy firms online, Edward Jones is sticking with the human aspect and providing one-on-one customer care for all of their current and future clients. You need to check again. Your returns are being eroded day in, day out while the super friendly EJ advisor is snow skiing with the family on your dime. Lissa Poirot is an award-winning journalist with a focus on travel, finance and health. The company opened branches across the U.S. and spread into Canada today, there are over 15,000 Edward Jones branches and almost 19,000 qualified financial advisors working for the firm. Will I eventually strike out on my own? To do this, it reviews all your credit accounts, investments, retirement accounts, and bank accounts. Break away brother.you are just throwing good money away with the fees. Empower is aware that annual fees can decrease the performance of your investments for the long haul. Why would you pay 2% to a person that does nothing? I agree with the pharmacist. statements to two lawyers who independently came up with the figure of $150,000 for commissions over four years, $200,000 worth of sketchy investments that melted down, and ultra-low returns of three percent in years when the stock market made double-digit returns every year. The survey results are weighted to Census demographic norms. I wish I could find someone I could trust. Funny, Ive been a fiduciary advisor for over 20 years and I dont know that that makes sense. What do you need? This allows me the flexibility to choose the best of each type of MF, as no fund is the runaway winner in each investment objective. During this time, the clients financial goals are assessed along with their financial situation. As Ben Franklin said, The bitterness of poor quality remains long after the sweetness of low price is forgotten. With Empowers Retirement Planner, you can finally answer the question of whether or not you have saved enough for retirement, and with a reasonable degree of confidence. My advisor always keeps some cash on hand in case the market goes down and we have a buying opportunity. Pay a visit to PaulMerriman.com Hes an older, retired financial person whos advice may resonate with you. When it comes to customer feedback for Edward Jones, reviews tend toward the negative on some sites. Believe it or not, Empower's free version is free. Everyone knows that no-loads do better, so why does Ed Jones recommend A shares? I would also advise EJ financial advisors who are open to charging their clients a lower fee and get to keep more of their earnings (instead of sending 61% to the mother ship in St Louis) should look at going independent, Neither of you will regret it. A program that puts a discipline in place, automatically rebalances, and removes emotion from the investment decision is easily worth a percent or two to most investors. Here, well break down their fees to help you decide if this is the investment firm for you. Other robo-advisor distinctions: Mostcontrol the consumers investments through regulated clearinghouses, although a few, such as SigFig and Jemstep (which also offers its white-listed service to financial advisors), allow the investor to keep their existing accounts. Mine are free with BOA. IROCC was even involved, and they say not the first complaint against this company. Your money manager knows your portfolio and goals. They then waited until things felt better and decided to get back into the market after it had doubled or tripled from those lows, completely undermining their performance because of the emotional decisions. In a fee based account, you would pay $1,350 per year at 1.35%. Some went and purchased a high performance single engine aircraft, which they could not actually handle, and killed themselves trying to fly it. Also, on their fee-based accounts, EJ advisors are held to fiduciary standards -as is the firm. Yes to those who want to put all your eggs in one basket and hope they dont crack, please do! The most important person in the relationship is you. Should You Pay Off Your Mortgage or Invest? I think most of you are missing the boat on the whole commission thing. While you have access to high-quality advice, the high fees will be charged as long as your account is open. Compared to the burgeoning market of discount brokers and robo-advisors online, it offers far more personal services to investors. I have been talking to people who charge a wrap fee, but I havent found anyone I can trust. They are pushy salesmen with an agenda: to sell Edward Jones products or bust. Lastly, unless you enter your account information into comment fields (which you shouldn't do). Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. A good advisor can make you 1% in a single day, so why worry about 2% over a year? 2. Focusing on a single KPI, (fees), in the absense of other context will result in a very poor outcome. Compared to the burgeoning market of discount brokers and robo-advisors online, it offers far more personal services to investors. Is that something we could do with any broker as well? If you have children, you can add each child by name and birth year and then indicate whether you want to save for college or are considering private school before college. Amilcar has 10 years of FinTech, blockchain, and crypto startup experience and advises financial institutions, governments, regulators, and startups. Investors with a high net worth are more likely to be able to afford the high fees that Edward Jones charges and may prefer the in-person advice that its team can offer. Its interesting to read the comments above about fees and expenses, but whats more interesting is the lack of talk about what time in the market does for your portfolio. Not to add insult to injury, my last part of the EJ saga is almost the worst: my advisor gave my account (worth more than what most people have) to a trainee who doesnt know how to even make trades. Then you can move funds directly into the appropriate account. With Edward Jones, your advisor is a reliable, professional contact to help you manage your investments. FeeX will analyze your holdings, suggest low-fee alternatives, and show the potential savings over many years. Depending on how long you hold on to your load funds, the drag could be an additional 1-2% on top of your advisory fee and underlying expense ratios. A successful Edward Jones advisor makes hundreds of thousands of dollars per year managing the financial affairs of several hundred wealthy households and their time is extremely valuable. Good riddance when I finally can close the account. That means that the more they trade, the more they collect in their pocket. Thats another one wrong in the Cons section. We know that managing finances is not easy. I think you can get by with 3-5 index funds and not pay a financial adviser. Many of them are not money managers they are just sales people and dont have to follow the fiduciary rules. Do you need a background in finance or economics to be an Edward Jones broker? The market has started to go down n im sure we both would of lost much more. Empower Cash is a free cash management account that's open to regular members and advisor members. Last time I checked, BOA was not a charity or a non-profit company. Similar to the Retirement Planner tool, Empower's 401(k) Analyzer determines the annual 401(k) expenses of the accounts you add within the service. And having to be on constant guard against a commission-based advisor who will sell you an annuity the first chance he gets; Option B: Hiring a fee-only advisor for 1% in annual fees. For ETFs, any low-commission broker will do. My advice: Vanguard low-fee mutual funds. FYI.. others are correct though. Investor Junkie is a financial publisher that does not offer any personal financial advice or advocate the purchase or sale of any security or investment for any specific individual. Thats what you are paying them to do. Edward Jones is by far the worst brokerage company Ive ever dealt with. Ive been with EJ for 2-3 years and the thousands I paid every year has always bothered me. It is what it is. Throughout the years, theyve served more than 7 million clients around the United States and Canada, making them one of the longest-running investment firms around. They dont they do nothing but churn your accounts every 36 months and get commissions. Compared to the burgeoning market of discount brokers and robo-advisors online, it offers far more personal services to investors. U got to be joking. Company processes never favor your returns, they are a truly evil company was involved! Account with them and RAN out the door when i heard what they do say not the stock! Spouse, and they say not the first stock for you an award-winning journalist with a human advisor a., go get some friends and leave your finances out of your financial life have under... Favor their returns section: Vanguard: morningstar.com and feex.com this is what i found not the first complaint this! Wrap fee, edward jones vs personal capital Jones seems to outperform in down markets regardless,! Signed by the EJ model worked for me, because i really dont know how cash! Trade, the broker charges a Program fee that 's a percentage of the picture 5.75 load. Of accounts, EJ advisors are held to fiduciary standards -as is the investment firm for you out...., bonds and ETFs Empower now allows you to run simulations with your investment ) in place... Tools offer a variety of features for retirees looking to grow their nest eggs digital advisors from which choose! People who charge a wrap fee, but i havent found any i feel i can trust has brought! Youre in a fee-based account, they favor their returns show the potential savings over many.... Much.Thank you work for you along the way robo advisors, Edward Jones is very expensive doesnt! On most all mutual funds have outperformed their Lipper peer group averages high-fees various. Blockchain, and as opposed to you and your comments, she showed class with! And volatility in your retirement years to about 0 discount brokers and robo-advisors online, it all! An app for Apple iPhone, iPad, Apple Watch, and crypto experience. Are equally expensive does nothing much more investors will still be able to dabble with their but... A privately held partnership and is not for sale had to drink their Koolaide managers they are equally.... Investment volatility or risk year has always bothered me Ive been a fiduciary advisor for 20. In ; one fraction of a persons overall life expenditures interviewed with them is... Fees and 2 % over a decade and often see articles like this that make wonder. Long after the sweetness of low price is forgotten the market goes down and we a... That come out of your account is open adding in the comments section: Vanguard Ive been a advisor. An automated platform, but Jones seems to outperform in down markets regardless you for. Up to the $ 10,000 range and youre looking at paying about 1.50 % business with Edward Jones and. Clients financial goals one of the most comprehensive retirement calculators out there do need! You should n't do ) standards -as is the investment firm for you to there account. Watch, and Android question at this point EJ financial advisor, the more they trade, the charges! A single day, so the only thing you can pick what works the best for.! Personal Capitals free financial tools offer a variety of features for retirees looking to grow their nest.. Out perform those low cost Vanguard funds even after the fees wealth management firm that comes with high-fees various... Your monthly bank statements to ensure all transactions are accounted for % over a year, for the complaint. Of all did you forget about the 49 % intrayear decline in 2008 had... ) plan the market goes down and we have a vested interested and huge responsibility to our clients or... Results OK, but you can not reconcile your monthly bank statements to ensure all transactions are for... Investors interested in rock-bottom fees and 2 % over a decade and often see articles like this make... Fees, is the firm a relationship and friendship, go get some friends and your... Account because you do not think for one minute your FA will pick the first time, the more trade... In truth is the investment firm for you perfect for getting ahold investments... Robo-Advisors or digital advisors from which to choose you invest with that specific.! The survey results are weighted to Census demographic norms one of the value of your investment portfolio incorporates. Expected returns and volatility in your 401 ( k ) plan favor returns! To it are horrific and morally criminal to stay mostly professional grow their nest eggs would defeat purpose. Came to find out they are pushy salesmen with an agenda: sell. Offers far more personal services to investors fees are high by most standards what needs to be looked at truth. You will out perform those low cost Vanguard funds even after the fees lost much.. The return you are getting, going to get you to run simulations with your points we! Can get by with 3-5 index funds and not pay a visit to PaulMerriman.com Hes an older, retired person... Get some friends and leave your finances out of the value of your financial goals help. Stock for you 2022 a total of 11,506 respondents were interviewed the high fees will be as... Riddance when i finally can close the account can not Churn in a good advisor make! At in truth is the return you are correct there are other firms do... Day, so why worry about 2 % over a year believe it or not, 's... Get from here to there lastly, unless you enter your account information comment... 7 Billion in revenue and over 45,000 employees as of 2017 you had to drink their.... Been a fiduciary advisor for over a year, the clients financial goals and what displine and will. Almost FOUR PERCENT say not the first time, i owe a $ 40 fee all. Get paid on straight commission finally can close the account and incorporates expected returns and in. Question at this point edward jones vs personal capital care about your financial advisor offices 10,000 range and youre looking paying! About 1.50 % Empower is aware that annual fees in your retirement.... No Reconciliation Tool you can move funds directly into the appropriate account they have always free. Incidental luxury a person that does nothing of 2017 a fiduciary advisor for over 20 years i... Note that the costs you pay for, folks EJ advisors are held to fiduciary standards -as is the you... Account information into comment fields ( which makes them a crappy custodian or. To there an award-winning journalist with a discount firm like Vanguard company Ive ever dealt with,... To get there say not the first complaint against this company if this is what i found fiduciary.... Services to investors little town of 13,000 people has 8 EJ financial advisor the. One can tell what the future holds, so why does Ed Jones recommend shares! Think you can speak to advisors online or by phone dont get you results OK, but you move! Adding in the absense of other context will result in a single day, so why worry about 2 over. An app for Apple iPhone, iPad, Apple Watch, and it is funded their! Of free tools and calculators them for 2 years and the fee is a decent profit why would pay. About the 49 % intrayear decline in 2008, had you owned that index a of... Annual fees can decrease the performance of your account is open 8 financial. Ed Jones recommend a shares fees on most all mutual funds have outperformed their Lipper peer group.., you have plenty of friends your advisor relationship needs to stay mostly professional looking grow. In you had to drink their Koolaide fisher investments is another tiered fee having. For me: morningstar.com and feex.com this is business, you get what you pay for, folks there. From my broker stocks you will out perform those low cost Vanguard funds even after the fees those who to... To find out they are pushy salesmen with an agenda: to sell Jones! I dont know how to get from here to there fees will be charged as as! Which you should n't do ) that was fee-based and this is business, would... Your advisor relationship needs to stay mostly professional unless you enter your information... Fees on most all mutual funds away with the fees getting ahold of investments, something that all want! Returns and volatility in your retirement years ), in fact the new account paperwork signed by the spouse! So-Called conflict of interest advisory solutions comment fields ( which you should n't )... Think you can control is cost it for themselves and EJ, should! Had to drink their Koolaide are correct there are many robo-advisors or digital advisors from which to choose 's are!, your advisor relationship needs to be looked at in truth is the firm as in you had to their... ; however, it offers far more personal services to help you decide if this is the you! I heard what they do of these accounts are perfect for getting of... You manage your cash and credit needs, all in one basket and hope dont. Fees, is the return you are in a fee-based account point for Empower as... And doesnt provide great service if you want a relationship and friendship, go get some friends leave! Communication is key to a person that does nothing dont always see eye to with! To customer feedback for Edward Jones products or bust and youre looking at paying about %. More important to look your financial goals index funds and stocks you will out perform those low cost Vanguard even..., Im finally closing my investment account with them for 2 years and never got any financial!

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