so you think I should pay some individual calling themself an 'advisor' or financial planner $20,000 to tell me to buy some VUN and some GICs which pay 2%?  Why not just pay by the hour for a couple hours of advice, like with a lawyer?  The rate must be vastly lower than for a lawyer as a lawyer is one has proven his worth by getting into and through law school!  Advisors fall off the turnip trucks all day long.