The first pillar is avoiding unnecessary and risky activities (don't drink and drive, insurance generally won’t cover your poor decisions) and take good care of your investments - these simple steps will help you prevent lawsuits before they even occur.

I'm not saying you're coming across as self-righteous in yours posts writ large; I haven't read any of your posts outside of our back-and-forth.I will say, though, that it seems unnecessary to tag your friends, many of whom I see frequently in the forums and admire, to validate you and poop on me. 

15k per month is a great income, is it possible you guys can cut down "unnecessary" expenses so you can have more leverage and cash to invest?

@Christopher Winkler and @James Park this is becoming an unnecessary debate based on misinterpretations and a clear lack of understanding on your part. 

There are many "tire kickers" and you could end up paying unnecessary fees and wasting time on phone calls for someone who will not or cannot rent from you.

Requesting a change of form is unnecessary and clearly demonstrates a lack of professionalism or ignorance about contracts on the part of the agent. 

Drew On Coronavirus: ‘Businesses Destroyed, Lives Upended — Not By Virus, But By Panic’Stop the unnecessary panic and hysteria!

We just seem to create more :( One of the problems we have is that it is very difficult to get some one to see that an agency or function of the government is unnecessary when that is their livelihood.

Thanks @Jim Cummings, I will most likely avoid the E & O claim as it sounds pretty involved and possibly unnecessary in this case - at least in my opinion.However, I will notify the broker of my plans to file a complaint, referencing the reasons discussed in the post earlier today after meeting with the attorney.

It kind of make sense price wise because of several companies we need to set up, but I think the advisor was unnecessary overcomplicating the structure.