Most made me take a questionaire, then told me that I have a mid-range acceptance to risk and told me to put all my money in an Index Fund.

Why should I pay them for the default, I want to get information from them to tell me the particular markets that are doing well, and more importantly WHY. I also would have liked a better idea of market cycles, however half when I asked about this didn’t understand what I was talking about.

I have found that most “advisors” do it because it is basically sales, and that is all they are qualified for with their business degree.