I have a 47 year old client with 200k in CD money, doesn't necessarily need the funds short term. I'm trying to build a CA muni bond fund portfolio for him, what would you guys recommend? I'm looking at Highmark CA short term with a mix of Franklin's CA intermediate as well as Lord Abbett's CA Tax Free. I can charge a fee for my services yet, but what do you guys think about loaded index funds for taxable accounts? Anyone know of any C share families?