 If the managed mutual fund is also charging, let's say, 1% per year, plus you're paying 1.5% for the advisor, so you've got two managers layered up. You've got the one that you go interface with, and then the other one you never meet. They're in New York or Chicago or whatever it is, and they're the ones that are in quote fingers right now, picking the best investments, and then usually those mutual funds will be