you pay no yearly fee
Eh?
Looks like you didn't get your money's worth from your free investment advice.
Most of the funds offered in the C have management fees of 1.5% and more - among the worst in the world.
If you and an EK colleague put your money into the exact same assets, he using ETFs and you using your C fund you will find at the end of your career that he has about $150,000 more than you. So much for free investment advice. Since you are so free with your own money, can you buy me a Range Rover like the one you did for the lads at BlackRock?