text: Most people are financially illiterate so one cannot expect intelligent questions and the good questions will be skated around by the more knowledgeable advisor.
  There is so much free information that is good and available free on the internet that using an advisory is a waste of money.  Just use two fee only advisors and compare their results and next year get rid of the poor performing one and replace him with another one. 
  Fees are too high for the amount paid and no one is going to be as careful with your money as you would be.
  A lot of good free advise just reading this business section. I even used one of Rob Carrick's porfolio suggestions and it worked out I'm sure much better than an advisor.