“Full disclosure, while we prioritize the use of individual stocks, we will use MF’s and ETF’s with our clients if they ask us to do so. Similar to the points illustrated in the Barron's article and this discussion, there could be conflicts of interest in both revenue sharing and soft dollar arrangements as well if we are using MF's and ETF's. Please review Commonwealth’s Brochure, found at www.commonwealth.com/disclosure for specifics.”