What is your idea of a perfect Advisor? Tell me what product mix I should be using with my clients. Tell me how to ensure I am ethical...I am dying to know, because you apparentely have nothing but negative things to say about EVERYTHING, like it is ridiculous man, all you do is criticize all day...so that being said, and if you can do it without making a smart aleck remark, please tell me what the "perfect" advisor is all about? Is the perfect advisor a "$25 book"? I'll stop babbling and give you the forum to bestow your endless sea of knowledge on all of us lowely beings.