We are completely independent of big banks.  We have no conflicting incentives.  No quotas.  No incentive to push in-house products.  We don’t even have any in-house products to recommend.

No. The evidence is overwhelming that the prices of publicly traded stocks and bonds are determined by the expectations of millions of trades daily. The market is relatively efficient. Efforts to find mispriced stocks are unlikely to be successful.

For an excellent discussion of this subject, read this article by Larry Swedroe, the Director of research for the BAM ALLIANCE.