We've never gotten upset with our financial adviser (not sure if that's what you do but it sounds like it could be). Then again, we've done everything he's suggested, only adjusting a few times for the risk we were willing to accept under our current situation when he made the suggestions. I know he has more knowledge, both current and historical, than us. I don't know that he has the same conscience and sense of personal responsibility as you. Tell me again, in what states are you licensed?
