Jamie and Lloyd screaming with night terrors in fear of not sucking the last nickel out of the pockets of the middle classes. The poor SEC staffs frozen in amber out of fear of not getting paid off when they leave the SEC. Life is very scary.
Mock me if you must, I'd love to share some private conversations with folks in the business with you, but I don't have their permission and it is not for this forum. Pick your payment model, commission, fee-based, or fee-only financial planning / pro's you decide which is values and is not sucking the last nickel out your pocket and helps you meet your goals and objectives in life that is if you are not an uber individual investor ( they are out their, I have seen them ) that can do better than professional advice, or just follow low cost shot gun approach ETF / no load Index models that are often discussed in the financial media. The choice is yours.