Hi Calaber24p,

in general, I agree with your thoughts about most financial advisers, but it is the system of payment on one side and the laziness of most persons to make their own thoughts about their financial situation and how to handle it. Already JP Morgan or Rockefeller said, that it is better to think about 1 day about your money than working 30 days for it. ;-) But the financial unability is around about 90 percent of all people, and only a few are realy willing to pay for real advise and for the hour. The majority thinks, that good advice is for free, for this reason the fees are calculated inside of the product. And your advice to invest in a low-cost-etf shows me, that you perhaps did not really understood our financial system, etf´s are at the end only derivates, from the side out costs perfect, from the side of risk (if the system gets in trouble) not the really perfect choice...