Bill,

   Loved the response to the Forbes article.  Your points were dead on.  There's one reason advisors will always have a place....emotion.  Clients view their own money with about as much objectivity as a child at a McDonald's playland.  Without a sound advisor at the helm, most people panic and sell at the low, then wait for the market to rebound near a record high to get back in.      Remember TD Waterhouse...How about Olde....What ever happened to Harris...I thought Sharebuilder was going to take over the world....There's only one thing that will save 80-90% of investors from themselves, and that is an advisor.  Those that don't have a good one will inevitably blow themselves up.