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I think their numbers are off. There is no way to add 6000 points and increase MF by $35. I think it would be a minimum of $280 or so additional for 6000 annual points (regardless of retail vs resale). What you need to do is make sure they are in the same trust fund that you currently have and ideally the same anniversary date. If you buy directly they can adjust your anniversary date so they align and of course they will make sure the trust funds line up. You are already paying the trust base fee and the annual dues so as long as you are in the same trust the base fee won't be charged again (regardless of retail vs resale) not have to pay the annual dues more than once.