Janman07
"Financial advise" is probably not even worth the paper it is written on. That is if you could get a financial advisor to put it in writing.
If the person or advisor is not putting their own money into the deals they are telling you to put your money into, this speaks volumes.
Are they making their money from selling you advise or from investing money themselves?
You will find a remarkably low amount of people even on this forum making money from investing in anything what-so-ever, be loathe to heed too much "advise".
Continue your education, and read up on Warren Buffet, and some of his simple, but yet long term investments & strategies, that reap fair rewards and beat the S&P & most money markets, consistently. (Value Investing). Log into Berkshire Hathaway, the company Buffet owns. They list their investments, and their annual reports are available online, an easy and entertaining read.
All the best........D