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<p>[QUOTE=&quot;medoraman, post: 984518, member: 26302&quot;]Good points. I would just point out you are paying both professionals for their training and professional perspective. I am not in the investment field, I am CFO of a firm, but my training was graduate school finance and I taught Finance and Economics, just for full disclosure. What my advice would give people is larger picture and relative risk perspective that most people do not have. Yes, there are Madoff&#039;s of the world, but every profession has thieves and crooks.</p><p><br /></p><p>Everyone should make up their own mind, and it bothers me that so many things financial salesmen tell you are half truths. The best solution would be for everyone to have an MBA in Finance, but short of that if one of us offers constructive advice, its worth thinking about at least. I read so many peoples comments and just wince at the level of financial literacy in this country. I have to say it is much higher usually on this board than most, though. Maybe a little too bullish on PM&#039;s, but that is to be expected. <img src="styles/default/xenforo/clear.png" class="mceSmilieSprite mceSmilie1" alt=":)" unselectable="on" unselectable="on" />[/QUOTE]</p><p><br /></p>

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