Missing Regulation

Just got back from talking about estate planning.  Is the estate tax going away?

So now GM is heading for bankruptcy.  Would it not be a good time buy GM now.  I say be careful.  It is just so crazy.  If you missed the bottom at 6700 in the Dow then you missed a chance to make some money.  There is no way to predict this market.

Here we go again.  Another down day in the market.  I just can't take it.  One year from now it will look really good.  I hope to still be in the industry.  It is so hard to make money because if you are an ethical advisor your clients do not have much to invest in.  So we just have to hang in there.  The insurance companies are cutting the product lines available to the public and they are cutting the commissions on the old products as well.  It is hard.

Does anyone know why advisors have to sell you certain products from the companies they work for?