When a financial advisor should be held responsible

1. When a financial advisor?loses your money, they should be held accountable. But in the real world, they just blame it on the stock market.
2. When a financial advisor?takes unnecessary risks, they should be held accountable. But in the real world, they just call it "bold strategy" and hope for the best.
3. When a financial advisor?makes a bad investment, they should be held accountable. But in the real world, they just say "hindsight is 20/20" and move on.
4. When they recommend investing in penny stocks and your portfolio ends up being worth just that - a few pennies.
5. When they claim they can predict market trends but end up being about as accurate as a weatherman in a tornado.
6. When they use complicated financial jargon to explain their decisions and you feel like you need a degree in rocket science to understand them.
7. When they spend more time discussing their golf game than your financial goals.

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PS: These are just some shared experiences and not targeted at anyone or any organization.