Go rent "secondhand lions". If not because its a pretty good flick, to see the way the "investment advisor" gets treated.
A reload was necessary afterwards.
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.