text: This is such BS.  Cut out trailer fees and you will pay the same 1% (or likely more) in advice fees.  So fed up with these mis-informed articles.  Fees do matter.  However, most investors will not stay the course and trade horribly, research bears that out.  An advisors job is not to beat the market, it's to help you avoid unperforming by a huge margin.  The cost is somewhat irrelevant.