Couldn't agree more. No point in paying an "expert" to destroy my wealth, when I can do a perfectly good job of that myself at no cost. No way in the world I'd entrust my wealth or finances to these so called "experts". Been there, done that. If they're so smart, they'd be rich and, if they're rich, they wouldn't be interested in wasting their time managing my money other than to enrich themselves at my expense. Thanks but no thanks.