I have always invested in vanguard low cost index funds, dividend paying stocks of firms whose business I understand. I do not watch the market and like Warren Buffet said I
buy a good stock at a good price and hold it forever. Why would I need an costly investment advisor who may try to steer me into high commission low yield investments or worse yet insurance products?
I do not chase returns because that is folly, I buy and hold.
I urger you to read this article it is some oF the best advise ever written
http://www.transparentinvesting.com/...wholestory.pdf