I'm no financial guru but if anyone could truly predict the stock market He'd have all the money by now.....I've followed a few experts...read a bunch of books and learned a few hard lessons....If you are in it to win it you have to be in long term...Indexes over the long haul beat almost all mutual funds (
http://www.ifa.com/book/book_pdf/overview.pdf Point 5)
Invest consistently over time....learn to do it yourself....no one and I mean no one will watch over your money as well as you. Professional advice is worth paying for, but be cautious of the giver...know ahead of time what he stands to gain.
Just 2 cents from the cheap seats....