“privatebanker, what is the annual return of the average CFP, or the one that you recommend? Their track records are no better than the average Joe.”
First of all a CFP is not a fund or a security. There is no CFP index or average rate of return. Each portfolio recommendation is unique to the individual that they are creating for. A CFP or Certified Financial Planner should be someone that can provide you with a holistic perspective of where you are with your money and where you want to be with respect to your comfort towards risk. Clearly not for someone with a myopic perspective such as yourself. You clearly have a lot to learn. Good luck.