Ultra-high-net-worth investors are relatively sophisticated; at least, they sure think they are. Spectrem Group recently surveyed more than 100 households with net worth of $25 million or more, and 46 percent agreed with the statement, “I can do a better job of investing than a professional advisor.” That may be, but Spectrem also found that wealthy households generally need at least three key advisors. (See related story on page 18.)