You probable figure out your investment is in trouble by watching news, and since your FP or IA is a robot who only know how to say " long term, long term", you found yourself so alone and helpless. In fact, there has been signs of down turn economy for a few months,
and there were plenty of chances to avoid huge losses and minimize risk. But on one care, sometimes even including yourself.
It is to my amazement how many people never realize this very simple matter of fact. You can not trust someone who is getting pay by someone else to take your money away from you!!