What are some ways in which the investment and financial planning industries have recently evolved?

1. Mutual funds are moving away from DSC fee structures with many provinces banning their sale 2. Asset mixes for retired couples are increasing the growth component to account for longer life expectancy 3. Funds with load fees are being replaced with no-load equivalents 4. Adjusting the back-end load schedule to reduce fees to 0% in the fourth year

1 and 3

3 and 4

2 and 4

1 and 2