Thank you! I think it will be a while before Happy Days come back, truly.
The reason I have been happy with Jones is they have local ofices with Financial Freaks who are really into it, and who will come to the house, as opposed to big centralized places where I was expected to "Make an appointment" and sit there cringing like a helpless little toad with my hat in my hand. Because the planner is local I "Know where his kids go to school", though we gentlemen would never discuss such a thing.
But if he makes bad calls and ruins me, he WILL face me at the Welfare Office or the Surplus Food Outlet! :-)
On a serious note, though, there does seem to be little accountability for mismanagement. One company backed fund I was in years ago hired somebody's relative for a manager. At the time, we Little People could only change our mix a week after the end of Quarter, so our money was trapped and all we could do is see it go down in flames. I was one of the lucky ones; I only lost $36,000.
If I ever have a job as Boiler Room Foreman in Hell, I shall be playing with this individual.... :-)
The agent(?) made some suggestions while she was alive. But she was 92 years old and generally liked keeping things the way they were.
(She did sell her Sears stock at his suggestion a few years ago-- a hard thing to do, since my family had many close connections with Sears in the past).