"Schwab found that 84 percent of the advisors it surveyed used ETFs in their strategies... Schwab’s findings are broadly consistent with views in the ETF world that independent advisors have more quickly embraced the exchange-traded fund because they have also adopted fee-based compensation models." . Source: HERE (http://www.indexuniverse.com/sections/features/8930-advisors-embracing-etfs-schwab-says.html). Time again and again it shows that good products can only be offered by......