We've been through the advisor grist mill with proposals from three majors. With a seven figure portfolio, the minimum management fee was 1.6%. Lowest was a brokerage charging 1% who used ETFs for 75% of his client portfolio content. So your add-on for Series F is way, way off, making their total burden a lot like the 2.25% to 2.5% common MF Series A premium MER. The ads with Series F performance charts mask this burden and inflate the performance -- by a lot, after fees!