I think you are very wrong to say this is the last place. It may
not be the best place but certainly not the last place for
me.
If I go for professional advice, they are generally good, but at
the back of their mind, they are still asking you to buy something.
Quota, quota, quota....
So I feel this place is good, because so far, no one has ask me to
buy his/her service (yet).
One even suggested to invest in luxury watch which his/her dad had
profited. If I go to a fund manager, he will ask me to look at his
luxury watch. Got it?