Sadly the people behind the scenes of the financial advisers are the ones who do so much work and don't get the compensation they deserve. The big Wall Street guys pay themselves over the top bonuses that they don't deserve and the day to day employees of these firms get shafted too many times. I know because I have lived it for many years. It's terribly sad to see the selfishness and greed that goes in daily. They get paid too much to make educated guesses about a market that is unpredictable. A very eye opening article, thank you. It was a great read.