Retirement mistake no. 2: Using a 'market beating' broker or adviser

Retirement mistake #2 is using a "market beating" broker or adviser.

Achieving paltry returns is not easy. After all, historically, the market rises over time.

What accounts for dismal investor performance?

Trusted "financial experts" who tell you they can pick stocks or mutual funds that will beat the benchmark indexes. They also give advice about when to get into the markets and when to flee to safety.