if any of you need a real financial advisor......I have been a business coach to the industry for 17 years......If you live in an area where I have coached people i will be more than happy to recommend a few. 

I coach on business practice  not investments....just to clarify 

i have coached many people i would never reccomend to anyone ...but there are a bunch that are very good at what they do, have the right business model, and take care of clients risk management and needs.