This just in, from the self-regulatory organization that polices stock brokers...

"Washington, DC — The Financial Industry Regulatory Authority (FINRA) announced today that it has fined Morgan Stanley & Co. $3 million — and ordered it to pay more than $4.2 million in restitution to 90 Rochester, NY-area retirees — to resolve charges that its supervisory system failed to detect and prevent brokers from persuading Eastman Kodak Company and Xerox Corporation employees to take early retirement based upon unrealistic promises of consistently high investment returns and by espousing unsuitable investment strategies."

Which leads me to remember...

Financial Self-Protection Rule Number 67854098&%@#:

Don't take retirement advice from someone who wants to get his hands on your retirement money.