Most advisors have probably had an interesting dialogue with their clients this year about the markets, just as they did in 2008 and 2009. However, today’s dialogue is likely to be more about not making as much as the market did, rather than not losing as much as the market. It’s hard for many investors to really understand the big picture of investing. That’s partly because of our industry’s confusing marketing tactics which give people the idea that investing is akin to winning big and quick in Vegas. Everyone wants that “silver bullet solution“or the chance to “have their cake and eat it too,” but, in reality, that’s not the way it works. This is where the real value of an advisor becomes most evident: http://www.thinkadvisor.com/2014/12/24/the-real-value-of-an-advisor-risk...