I have a policy of trying not to engage in pprune vitriol, so I'll just observe that any sensible person will see the flaw in Speriod's argument.
On a general note there are a number of rules of investment that hold good no matter what you put your money in.
Create a portfolio (diversity).
Take a long term view.
Plan for the downturns as well as the upturns.
If you can, manage your own money. It is the job of a professional advisor to make money out of selling you products and services, and ultimately that must shape their advice.
Anybody heard of Bernard Madeoff? He was a financial advisor.