Have never used, or been tempted to use, a FA, but I have several friends/acquaintances who use them. Most don't seem to know how much they're being fleeced charged, what their investments are, how they compare to a passive portfolio, etc.
I've tried to nudge some of them to learn more, but it seems to annoy people, and I get responses like "I don't want to worry about it" or "I'm happy with my returns". Have learned not to talk about it...
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Have Funds, Will Retire
...not doing anything of true substance...
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