Front-load fees can range from about 3% to 5.5%. A 3% front load fee takes your portfolio down from $100,000.00 to $97,000.00.

Located about 20 miles north of Two Harbors, MN, I arrived at Split Rock Lighthouse on Minnesota’s North Shore just before sunrise on a crisp fall morning. At the time of my visit northern Minnesota was under an air quality alert due to the wildfires that were raging in Canada that year. I made my way down onto the rocks near Lake Superior’s edge to find myself greeted by two other fellow photographers. While setting up my tripod in the dark I needed to make sure that ONE I d