And where basic human decency is often rare, when it comes to the little guy.

TORONTO -- A research study done for the Ontario Securities Commission says investors with small- and mid-sized portfolios may be receiving insufficient information about financial planning from their advisers.

It says 43 per cent of respondents said they didn't think their adviser provided education about financial concepts and the vast majority got no advice about debt management, tax and estate planning or planning for a family member.

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So, this is where I've been, for about 3 years. Looking after portfolios, for myself, and others (at no charge) who have been worked over by financial institutions, for their retirement money.