If we want to clean up the financial services world, we're going to have to change our tactics. The more I look at our political system, the less likely it seems Congress would ever vote to rein in Wall Street's predatory behaviors. Follow my logic: Brokerage firms are enormously profitable because they're constantly figuring out clever ways to siphon money out of the pockets of their customers. The people most likely to recognize these shell games are mainstream financial planners who offer an honest service at an honest price -who know that, if they were ever to receive a $5 million bonus check at the end of the year, it would mean that their clients had gotten shafted along the way.

If our elected representatives suddenly got together to stop Wall Street's money-siphoning machine, it would cut off the flow of lobbying money into their re-election coffers and there would be nothing to replace it. Honest financial planners don't rake in enough that they can collectively or individually buy votes in Congress out of petty cash. At the same time, consumers don't know how to ask for protection from the brokerage money machine.

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