@Skylane I used to shock one or two clients a year with the FINRA report on past transgressions of their financial-products salespeople.  Lately, I have fewer clients and they stay away from the worst losers.  I took a client's case to FINRA arbitration and won, a decade or so ago.  Sold a 91-year-old with a terminal illness (disclosed) a bond fund paying 3%, with a 3% commission.  Client died within six months, as expected.