CPA Advice:
1. Dont invest, client does not invest, stock goes down. Correct.
2. Dont invest, client invests, stock goes down, CPA correct.
3 Dont invest, client invest, stock goes up, CPA just being careful.
4. Doent Invest, client does not invest, stock goes up, CPA just being carefull
NO Lose situation.
One more,
CPA Advice: Dont invest, client invests, stock goes sideways. CPA correct; could have done better elsewhere.
IMHO