The proof of the pudding is in the eating I’m afraid and based on my experience over the past two years plus I’d be very hungry indeed by now. It’s a pleasure to pay for services when money is added to your investments but it’s harder to swallow when so much is lost. In my case it was the worst choice I have made especially with my first advisor who told me I was in low risk investments and then lost ten percent plus of the portfolio and that's without even taking into account the hammering that we’ve all had with inflation. Overall exceedingly disappointed and I could never recommend presently although I do accept that investments generally are difficult and that the new advisor is trying his best to right the last couple of years .