text: This column is total BS. Best way to improve your relationship with your advisor is to get rid of him or her.
  All they do is try to put you into mutual funds that take your money regardless of whether or not they gain or lose. Investing is quite simple. Do the homework - invest directly in conservative , secure , dividend paying stocks and you can easily outperform the market. We "fired" our investment advisor 15 years ago and have outperformed the market in 14 of 15 years. At average MER's we have put several $100,000 in our pocket.
  Get smart. Most of these guys are used car salesmen that know less than you.