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(6) More record keeping than products and solutions held stocks at an agent. This one bothers some buyers. But it's not that bad. It simply means you need to to adhere to top in the letters and news announcements that they give you (eg., say your company is bought out, and you need to mail your certificate funding - you don't wish to miss the deadline). Most products they provide you can ignore (I never vote by proxy, go to shareholder meetings, or even read may vary