Why do you think advisors engage in this behaviour?  THE BANKS!!  The banks are constantly pushing them to "increase production"....the heat is on big time and the bank owned investment firms don't care about you or your parents - they only care about separating as much money from you as they possibly can!!  And their advisor employees comply or get fired!  But Carrick won't write about that - gotta be careful what you write about the big 5......