Let us start the week with some positivity. I do not believe investing should be made complicated, there are so many strategies out there for different risk tolerances, everyone has a product, everyone wants to sell you something. I am not a believer in overpaying for an "advisor" or money manager, honestly, if you are paying more than 90bps I feel bad. A lot can be done on your own without paying someone over 1% to manage your own assets. Coming from this industry, I see a lot of disruptive businesses. I think it is relatively hard, if not impossible, to beat the main indexes over the long term. I have been, I would not say lucky, but in a way lucky, that I have been able to do so over the 6 year period of managing my portfolio.