[rockrock]

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a CFA is worth the money and then some....You don't need a CFA for this...

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I think you mean CFP.
-Aaron, CFA

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No, I meant Chartered Financial Analyst. CFA because it's the most prestigious and therefore most expensive type of advisor. What I said applies to CFPs as well. It can be worth it in some instances.

I'd think books by guys like William Bernstein (Effecient Frontier), Jack Vogle, Swensen from Yale and others would put you guys out of business.

Its clear (to me at least) that the secret is out and out-outperforming once taxes and fees are taken into account is nearly impossible over an extended period of time for mutual funds and "advisors".