The question is not so much centered on whether or not your investments could be working harder for you, but more importantly are you using products, allocations and tax strategies on a risk adjusted basis to provide as much predictability as possible. Everyone wants maximize return while assuming no risk. Obviously, this is not realistic or possible.
We pride ourselves in introducing you to strategies which you understand. Every strategy is designed with specific objectives and exit strategies. Our goal is to ultimately recommend strategies which do not adversely affect your ability to sleep at night.