[Once you have verified credentials and experience,] it comes down to the issue of a personality match, ... You should pick the one with whom you can be the most honest and open with. You need to deal with someone who makes you comfortable.

[Method of payment] is really a personal preference, ... The issue comes down to competency and disclosure. If an advisor discloses all conflicts of interests, the client should have sufficient information to make a decision. Everyone has conflicts of interest. Simply being compensated by fee does not remove conflict of interest.

I see very little other sources of financial catastrophe than credit-card debt,

When you take on debt, you increase your risk, but you also increase your return,

They made a bundle of money and then it died out,

You look at the numbers. It's just unbelievable,