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Competition between fund providers continues to result in lower fees on exchange traded funds (ETFs).

A very good thing if you are a proponent of cost minimization when investing.

I read a short article that discusses this subject and makes a couple of useful side points. 

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We looked at “How Investors Use ETFs”.

Today we consider how financial advisors use exchange traded funds (ETFs) in their business. 

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Probably way more than three ways personal financial advisors can mislead clients. But the article I want to link mentions three, so we will start there.

I agree with two of the three, but you can come to your own conclusions.

Okay, so what are these evil secrets financial advisors use to hurt clients? 

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I am stunned, amazed, and find it all very hard to believe*.

A lawsuit in the United States alleges that JPMorgan Chase steered clients “to overpriced, underperforming funds to boost the bank’s fees and profits.”

Say it ain’t so. Next you’ll tell me (spoiler alert) that there is no Santa Claus nor Easter Bunny.

The linked article makes some important points that individuals should always remember. 

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Fund Fees Barely Budge

On 10/31/2011, in Investment Strategies, by Jordan Wilson

I am a proponent of passive investing.

That means investing in passively managed index funds that track a specific market sector. Primarily, exchange traded (ETF) or open ended mutual index funds.

Research indicates that actively managed portfolios tend not to perform better than passive portfolios. And actively run portfolios cost investors more money in fees and expenses than passive.

So why take an active approach? 

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What Advisors May Not Mention

On 11/29/2010, in Financial Advisors, by Jordan Wilson

This Reader’s Digest article does a good job summarizing some key things to remember when dealing with people in the financial services industry.

Reader’s Digest adds a few more thoughts in this separate article.

Many of the points we have discussed previously.

A few quick comments from my side:

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Choosing an Online Broker – Part I

On 08/12/2010, in Investments, by Jordan Wilson

For most investors, I believe using an online brokerage firm is the best way to invest.

Online brokers provide the most cost-effective means to invest and the services provided should meet the needs of almost all individuals.

In researching candidates to take your money, you have many choices.

At times, it is difficult to compare options. There are numerous special offers for new clients. There are also preferential pricing and services dependent on your trading activity level, your amount of assets, the trading platform you choose, etc. And many twists to the prices and services are buried in the fine print.

All this serves to (intentionally) make comparisons a challenge.

Today I will look at a few initial considerations when comparing firms. In my examples, I am using current data from each broker’s US website unless otherwise stated.

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