来自《耶鲁大学开放课程：金融市场 第18集 第18集》

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  because the commissions will eat you alive.
  因为你将无法承担高额佣金
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  You know these guys who are churning are fakes because
  这些频繁变动投资组合的人都是骗子
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  they can't be getting a new idea everyday,
  他们不可能每天都有新点子
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  so that's the kind of thing.
  投资顾问就是这样
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  Now, financial planners are a little different.
  金融理财师则有所不同
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  The designation of financial planner is not regulated directly,
  获取金融理财师称号并没有明文规定
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  but we do have a self-regulatory association that manages them.
  但却有一个自律机构对其进行管理
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  We have the Financial Planning Association--
  名为美国金融理财师行业协会
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  that's their website, FPA.Org--
  网址是FPA.org
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  and they license--they provide their own designation.
  他们颁发自己的称号
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  This is how it works in the U.S., particularly;
  在美国就是这样的
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  they will certify someone as a certified financial planner and
  他们给合格的金融理财师颁发证书