Which is a big deal, and is a legitimate gripe. There are no guarantees that an MBCBP will make 5% in perpetuity, and even then, 5% is a loss in times of high inflation.

Just let me manage my own money. Being FORCED into something against my will should be a non-starter for everyone. **** you (anyone advocating for MBCBP if it’s mandatory) you don’t get to tell ME what I can and can’t do with my compensation.