Important Lessons in This Chapter

• Don't deal with advisors who work on commission. If you need personal help over and above what the fund company's reps can provide, go to an advisor who is basically compensated by assets under management, or by a flat fee.
• When it comes to your finances, never abdicate personal responsibility.
• Only a minute percentage of people are scammed. Nevertheless, learn to protect yourself from the scammers. There will be more Madoffs.