I chatted with a D. Edward Jones advisor years ago, shortly after I got a full-time job. My expected wealth accumulation % increase for a while would be eaten

I chatted with a D. Edward Jones advisor years ago, shortly after I got a full-time job. My expected wealth accumulation % increase for a while would be eaten up by his fees(and he was selling only one line of funds, to boot). I nodded politely, then at home, I did some studying signed up for ETFs based upon my financial needs. When I have a large sum of wealth, I will have a lawyer, wealth adviser, and accountant on retainer in order to design appropriate strategies. I suspect that this will be > 1M USD.