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Is there a reason to have accounts with those people? You act as if you have no choice.

If you have a Merrill Lynch Unlimited Advantage account, you pay a flat fee and then do not pay loads. Since the loads are 4-5%, and the fee is 1% for a large balance, it makes sense to have that kind of account.

Those wonderful people at Merrill Lynch and Smith Barney can tell you which class to buy.
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