worth remembering something when it comes to paying for financial advice.. best story ever follows..
Buffett's Bet with the Hedge Funds: And the Winner Is … Buffett's ultimately successful contention was that, including fees, costs and expenses, an S&P 500 index fund would outperform a hand-picked portfolio of hedge funds over 10 years. The bet pit two basic investing philosophies against each other: passive and active investing.
Buffett's Bet with the Hedge Funds: And the Winner Is …
In 2008, Warren Buffett placed a million-dollar bet that an S&P 500 index fund would beat the funds of funds hedge fund managers would select.
www.investopedia.com