There's almost always a cost for advice, even if it's built into the cost of the products you end up buying, says Dan Keady, director of financial planning at financial-services firm TIAA-CREF.

WSJ: Questions to Ask Your Financial Adviser About Fees

The Assembly Government's Finance Director Christine Daws and the Assembly Government's head of financial planning gave evidence during this discussion.

BBC: Welsh Finance Committee

"Stuyvesant was not necessarily a reflection of the bad real estate market, but rather over-ambitious assumptions, lack of risk controls and poor contingency planning, " explains Burt White, managing director of research and chief investment officer of LPL Financial, further asserting that the bottom dropped out of the market months ago.

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