A person, usually male, who lives in a really nice home, drives a really nice car, usually has a wife who doesn't work. All his possessions are due to the money he makes off of his clients when he buys and sells funds using their money. The advise he gives is to benefit himself and not you. Do yourself a favor and keep your money in the bank.
I used to have a small fortune in my port folio, then I took the advise of a financial advisor. Now he has half my money, and I don't have a pot to piss in.