If you have a $100,000 account and have embedded trailers with 50% in equities paying 1% and 50% in fixed income paying 0.5% then you cost is 0.75%.  The compensation in this case would be $750.  Most fee for service advisors are charging 1% of the balance of assets they manage, using the same account of $100,000 the compensation would be $1,000.  Can anyone show me where the client is saving money?