For Financial Advice, Find the Proper Dosage.

Most everyone needs financial advice. The big question is how much. There are tens of thousands of advisers out there, with varying levels of expertise, who charge varying fees for their services. And professional advice doesn't guarantee good returns. You need look no further for evidence than the market collapse of 2008-9, when most people lost money, even those with the supposedly ideal mix of investments, hand-picked by their financial planners. [ABSTRACT FROM PUBLISHER]