I did learn a long time ago, that no one looks after my money better than me. The few times I do forget, and get a fin planner or adviser (lets not worry about the banks guys), then I quickly relearn the rule. One of the times I forgot, was one when one fin planner put me into an investment with LIFT Capital, where I quickly learnt what the real meaning of capital guaranteed, and non-recursive loans meant. Nothing like you read in the text books. And they wonder why no one trusts these guys. No skin in the game, just a skim off the top.
I have made a point of making sure my investment education is topped up every year. One of the best investments I have made.