I am currently a DYI with BMO Investorline and I am considering moving to BMO Advice Direct. The salesperson at AD, because of the size of my investments, said Fees would be a maximum of $3750/yr, would be paid out of my Investment Account and my 4 other accounts would be free. These fees would be tax deductible. This amounts to approx. .03%, yet I keep reading that fees are 1%. I also receive 160 free trades/yr. Am I missing something?