Updated: Why would some not want to include investment costs in financial planning software used to council financial clients?

Compound Interest Calculator
Inputs

Current Principal: $1,000,000
Annual Addition: $0
Years to grow: 30
Expected Rate of return: 7%
Compound interest time(s) annually: 1

Results

Future Value: $7,612,255
.
.
.
Inputs

Current Principal: $1,000,000
Annual Addition: $0
Years to grow: 30
Expected Rate of return: 4.5%
Compound interest time(s) annually: 1

Results

Future Value: $3,745,318
.
.
.
7% Future Value: $7,612,255

4.5% Future Value:  - $3,745,318

2.5% 30 Year Difference: $3,866,937
.
.
.
If some one's job is to do what is in the best interests of his clients
and they show them a 7% hypothetical number
after the money was invested with a 2.5% cost,
how can many investment plans not tell the actual "truth"
with Investment Advisors acting under the Securities Act of 1940?


http://www.moneychimp.com/calculator/compound_interest_calculator.htm

Which would you rather be presented with?

If one were more likely than another?