Morningstar recently shocked the investment industry with a report showing that less than half of mutual fund managers invest their own money in the funds they manage. Since many investors naturally assume that their fund managers "eat their own cooking," it came as quite a shock to learn that most managers' interests were not aligned with those of their shareholders. This week, I'm going to discuss why an Investment Advisor's personal investment has always been a major requirement for me to recommend an investment program. Plus, I'll discuss other important information that you may not learn from an Investment Advisor unless you know to ask the right questions....