The investerati has convinced the public that if you save a few extra dollars or come into some money, that you need to 'invest' it in the stock market.  This is simply not true, there is nothing wrong with a nice safe CD at your local bank or paying off your mortgage sooner - the tax benefit is pitiful anyway. 

Having said that, if you have decided to invest, do yourself a favor and invest on your own.  You can manage your own money, save a fortune and yes, you have the time.

After a career working for Wall Streets biggest names, Scott Barclay has held many senior level business development , consulting and training roles.  Barclay earned a Bachelors in Psychology and Physics from the University of Alberta and has completed graduate work in both finance and organizational behavior from McMaster University and the University of Texas at Dallas.

Barclay loves to teach, speak and blog about investing.