Just took a retirement acct. away from a jones rep and scenario was small biz in a simple IRA and I questioned client about fund selection and pricing and client said jones rep explained that, " In time your cost will go down on these A shares due to quantity discount." Actually not a lie because in YEARS this would indeed occur. (Acct. contributing about 100K/yr.) But, the reall killer was when I asked the client why they held 4 (yes four) different funds from 3 (YES THREE) different fund families? Now I ask you all...(1) guess which fund families? and (2) How much did it cost this small biz owner for the trip the jones rep took? Yes, folks, jones really is #1 when it comes to scr##ing their clients. Better stop this cra# or the Revealer will getcha. (Before you ask...I am switching client to a 401K with ALL the lights and whistles, internet access, 78 choices, all for 130 bps/yr going down to 100bps @ 1MM) jones can't even offer this provider.