The average investor earned just 3.79% while a simple non-advisor index fund earned 11% over time. Dalbar.com QAIB "... that little 2 percent fee will erode 63 percent of what you would have had." John Bogle, Frontline "My wealth has come from a combination of living in America, some lucky genes, and compound interest." Warren Buffett Wall Street exists to make its owners rich. I have been in the financial services business for over 20 years. We make...