“I want to meet with an investment adviser who values me for who I am, who will take the time to get to know the real me, who will cut through the jargon and help me understand what I need to know to make my life happier and better than it otherwise would have been.”

And that takes a firm of real people, well-qualified individuals with experience to burn, the kind of financial advisers you would want to have a life-long relationship with.