On this week’s episode of Money Matters, Wes Moss talks how to identify the longer-term bull and bear market cycles for the “Big 3” (stocks, bonds, and commodities) to understand the direction you should be headed as an investor. In the second hour, Wes discusses how to tell if you’re getting what you pay for with a financial advisor. He walks through Vanguard’s Advisor Alpha study that identifies seven best practices financial advisors can implement to increase portfolio returns as much as 3% per year over time.