No. of Recommendations: 2
Mary has nothing to sell to earn her living other than her time and advice. She gets paid for selling American Funds, and because of that front-end load and the "revenue sharing" that is how she earns her living.
You can, of course, get Vanguard funds with less expenses.
It would not be nice to use Mary's time asking what kind of asset allocation you should have, and then go buy your funds from Vanguard.
If she is giving you good advice, maybe better not to count the pennies. The funds are decent. Edward Jones used to promote Putnam funds; more recently they've changed to Vanguard.
Similarly it is not nice to take a full-service broker's advice and then go buy your stock from a discounter.
Best wishes, Chris
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