BrokerCheck is a free tool from FINRA that can help you research the professional backgrounds of brokers and brokerage firms, as well as investment adviser firms and advisers.
Schoolteachers and other government and nonprofit workers are often at the mercy of confusing contracts tied to arcane investments, sold by representatives who may not understand them.
Studies, including a five year one done with the support of the US government, have shown some pretty amazing benefits, including: lower blood pressure, increased self-esteem, less depression, lower stress levels, longer life, and greater happiness.