The joke goes like this. If your name is on your shirt, you're low class. If your name is
The FINRA Fund Analyzer tool https://tools.finra.org/fund_analyzer/ should be used to validate share class choice to the client and the compliance department. By choosing Advanced Options you can compare the impact of different share classes, payments and time horizons. FINRA is watching for mismatched Time Horizons and share classes. Be aware and do an analysis to be sure. Stay classy.