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Overreliance on these products could have "devastating" consequences.

One way to improve transparency is to unbundle a firm's offerings by charging separately for different services.

Advisors say clients are taking profits and hedging, even as their risk tolerance rebounds.

Listening and managing expectations are key to successful implementation.

Whether it is inherited or company-issued, advisers may have to try to force a separation.

It may not offer higher returns — but if the stock market becomes volatile, clients won’t lose as much.

Index of business conditions for financial advisors slides as investors disclose growing unease about high stock valuations, domestic turmoil and geopolitical crises.

Some say that the bond component should be reduced.

These investments provide diversification and reduce volatility.