[Kistle]

Somewhat tangential to your primary point...can you give some examples of where personal finance/investment planners use tactics to separate clients from their money? I generally subscribe to the cliche that "financial planner"...that's french for "thief" mentality.

Many of my friends use these services, so I would be interested in hearing ways that you have seen utilized in that business that are bordering unethical.

Thanks,

JA