Variable annuities are one of those investments you need to really understand. Unfortunately, they are sold very aggressively. You'll meet two entirely different people who wound up owning annuities when it was clear that there would be no benefit whatsoever. Checking out a financial advisor. You need to know how your advisor is getting paid and what you should expect him or her to do for you. Investing 101 focuses on investing on your own. You can choose whether to use an advisor or go it alone. Rob explains dollar cost averaging and why this systematic way of investing makes so much sense. He’ll also explain some other choices for getting the maximum diversification you can in your portfolio at a reasonable cost. Scam Alert – from Michigan about an investment advisor who crossed the line and broke the law.cost averaging and why this systematic way of investing makes so much sense. He’ll also explain some other choices for getting the maximum diversification you can in your portfolio at a reasonable cost. Scam Alert – from Michigan about an investment advisor who crossed the line and broke the law.