The fastest route to losing money... ...Is to use a financial adviser. You can't control the amount or quality of their due diligence and it is not easy to recognize how brainwashed they are as to how they are told how things work versus how things really work in the business world. Most advisers are just sheep to the archaically structured economic machine, unaware of who is pulling the strings and when. The advisers that do get it, stop advising and start making money for themselves instead. This is all my opinion.