Did your advisor show you how to earn 10-12% return on your money without paying their fees every year? Did your broker tell you that you can buy individual securities for $0 commissions now? Did your agent call you about falling insurance premiums? Did your banker explain your accounts will be 'nickeled' and 'dimed' to death? Did your money manager explain that low costs are the best predictor of investment success? Your financial "team" is robbing you of $3,000 every year. "Professional money management is a gigantic rip-off." Bill Gross, star bond manager Hidden costs rob you of 40% of your nest egg Industry 'professionals' do NOT offer you the best products available to help you reach your goals. They cannot because the best alternatives are low-cost and thus low revenue for their firms. I was a financial industry executive for over 20 years. I have managed sales units in a securities firm, two banks, an insurance entity and an advisory firm. I am now retired. Advisors want to be rich; not your unbiased advisor.