So let’s first start with the initial confession that I have only owned mutual funds through a boring IRA.  Never have I delved into the world of individual stocks through a broker or E-trade, though I certainly like the idea.  That being said as a disclaimer, sometimes I think people with good common sense are able to help those who maybe just are small time investors.  I don’t know about you, but in the past I have sat down at a table for a meeting with a couple of financial advisors.  I like talking to them.  The problem is that just like many mechanics, they seem to talk fast and use big financial words and concepts that lead me to believe, at the end of the day, the message they want you to hear most is “This is a little too complicated for you.  Just give me the money and I will make it all work.”  Continue Reading…