The Financial Industry has lost a sh#t load of credibility ..when it was exposed as the fuel that caused the 'sub prime'mortgage' meltdown.
From the sellers ..to the management...to the executive....they bilked the public...especially the little guy counting on his pension .........for profit.
A pox on their houses
Listen to Warren Buffet ....Read  'THE WEALTHY BARBER..and  following  publications...

understand the difference between salesmanship and solid financial advice