"A fool and his money are easily parted" - Bernie Ripoll (Chairman of the Parliamentary Joint Commitee that investigated the Storm Financial collapse) said as much when he commented on the Storm disaster in a newspaper article. In essence he is telling you all not to trust financial advisers or banks because they simple cannot be trusted. They will use your money to make money for themselves and you will be the one bearing the risk when they start gambling with your money, as they surely will. That's exactly what they did in the case of Storm Financial and the banks where secret agreements were made between them to churn money out of customers with scant regard for the interests of their customers or the risks that were being taken.
If you don't believe me, read all about it on this site. I also suggest that you read my book, "PLAUSIBLE DENIABILITY" (see below) which can be viewed in a PDF format.