What have you guys been using for the core part of your client’s portfolios?I personally like: AMF Capital Income Builder Ja*** Balanced Fund Fidelity Contrafund Fidelity Midcap T. Rowe Price Midcap Value T. Rowe Price Capital Appreciation Franklin Mutual Discovery I am not able to do fee based planning yet (due to tenure) at my insurance firm therefore I am stuck to selling loaded funds. I have been using those no-loaded funds and service class shares within variable annuities for clients. This thread has been extremely helpful so thanks to everyone who have contributed. I am looking for more loaded funds I can use for my clients that I can put a majority of their portfolio in. Thanks!