回复：some misunderstanding here

It's allike if you get mortgage from broker or bank directly. Most of people here know that getting mortgage from broker sometimes are better deals than getting them directly from banks.

Licensed financial advisers get funds at "whole sale" price if it is under fee management. Check "expenses" on funds you plan to buy - there are different types of shares (A/C/I/M/B....share)with different pricing scales for exactly same fund. Most of time the difference is almost the same as fee you paid to Advisor.

You are right at the point that some advisors are lacking of experience and using "cookie cutter". They focus on commission not your portfolio. So you need to find one who can customize your needs. Again, for investment,besides return rate, we should also consider risk management and tax efficiency.