I was recently talking with an experienced advisor about many investors' inability to comprehend capital markets. The advisor said that the majority of the people he deals with are concerned that the financial system is rigged against them - constructed by policy makers, regulators, banks, rating agencies and Wall Street firms for their own benefit.

"Clients feel sometimes as if they are playing in a casino, where the house always wins," the Advisor said. "How do I help them understand the difference between Wall Street and what I do?"

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