Advisors are the new car salesmen.. They consistently post pathetic returns, all while scalping you with fees, explaining it away every year as a 'tough market environment' (I am looking at you, CIBC Wood Gundy, who seem annoyed at giving a simple balance request). Movement makes them money. Buy and index fund and ditch the 'advisor'. Technically not even a DIY given the active/passive management of these funds (see Vanguard, Dynamic, etc.). The average guy with 100k sitting in his account is getting had!