<prompt> Human: Like many, I must give thanks to this group to help open my eyes to what was going on with my accounts, retirement and 529s.My wife and I got married right out of college. Conveniently, my new brother-in-law was been a financial adviser with Edward Jones... how convenient! So we started to build out our Roths, and when we had kids, the 529s. Then the company I worked for was sold, and I had the opportunity to roll the 401k into EJ... so i did that. All of a sudden there is a sizable to me balance, and after lurking here and John Oliver, I decided to take a closer look at what was going on.Findings:1 Annual fees 20 to 40 on the retirement accounts2 3.5 front load fees. This pissed me off, because on each investment, i saw a for investment. However, the following day the investment would be revalued to take the fee out. Its like driving a new car off the lot...loss of 3.5, boom.3 2 charge on all reinvested dividend and cap gains once hit 250k, this went away.4 Lowest fund expense ratio was 0.58, most of the balances were 0.6 to 0.7.With the new fiduciary rules being put into place, my wife and I had a call with my adviser brother-in-law to review what the plan was with our accounts. I started to poke around with some questions, and at one point asked to see all of the funds available to us, looking for 0.25 ratios. He literally said If I gave you a list of all of the funds, then what would you need me for. Bingo.Now he is trying to put our accounts under a guided solution which is 1.16 on the balance each yr, and then says, Ill reduce that to 1.08 because your family... what!? We end the call, with me needing to review our options.Further research ensues. Decide to transfer all accounts to Vanguard. I expect to see cost savings of 2,000 yr through EJ fees and lower fund ratios... thats around 80k over 20 years.So once again, thank you!.TL;DR - started to used Edward Jones because of family relationship, after research and convincing wife the family would be ok, and EJ are just salesmen of financial products...saving 2,000 yr.  <response>: Lowest fund expense ratio was 0.58, most of the balances were 0.6 to 0.7.Yeah lol.. for frame of reference most of Schwabs basic index mutual funds were lowered to 0.03 as of 3117. So your Edward Jones lowest fund ER was 19.3 times larger than that. 