It is very difficult, almost impossible, for a financial advisor or stock broker to beat the S&P 500. The only person I could think of is Warren Buffet. Therefore, why let a broker invest my money if i am not beating the S&P 500. After all, if i want to get the returns of the S&P 500, i can simply invest in an S &P 500 index fund at little cost to me. Does anyone agree? Any financial advisors out there that beg to differ?