As a newbie, I have been wondering about this. Thank you for this post and useful replies. I had my suspicions about this trend, also. I Wonder what the alternative could be? Does anyone else think that there must be some flaw in the system or the way these new ventures are rolling out if this is the fact, that we cannot trust that the recommendations offered by advisers are genuine and not merely self-interested, based on salary and a chance of short-term returns.