But perhaps the most important question is whether you can trust your financial adviser. Some financial advisers in the United States are paid not on the basis of how their clients do, but according to what financial products they persuade them to buy.
但也许最重要的问题是你是否能信任你的金融顾问。在没有，一些金融顾问不是根据其客户做得如何获得报酬，而是根据他们说服客户买了什么金融产品获得报酬。支持改革的Better Markets组织的丹尼斯·科勒赫（Dennis Kelleher）最近很好地总结了现状：“顾问可以建议能给他们带来丰厚佣金的投资，即使他们的客户因为高昂收费、低劣表现和不可接受的高风险产品而套牢。”