Every one's situation is unique. If you're a full time investor/ speculator, and have mastered the techniques needed to excel in the "game", then perhaps you don't. Unfortunately, the majority of the public do not have the time to devote, or the experience and expertise needed. For these individuals, especially those wealthy individuals or inexperienced chaps who do not possess the necessary tools to excel totally on their own, additional help may be desired. After all, as I'm sure you're well aware, you are going up against some of the shrewdest financial minds in the world, when you enter the Wall Street domain.