Bad Advisors: How to Identify Them: How To Avoid Them
By:  Roccy DeFrancesco, JD, CMP, CAPP
Audio Book

Thank you for your interest in listening to my Bad Advisors book on audio. The audio book was recorded from its original version so a few items in the audio book (like guaranteed income rider FIA terms) need updating. Even though it’s the original version of the book, 99% of the content has NOT changed. If you would like to download an updated copy of the book in PDF, click here.

If you are a consumer who wonders if you have a bad advisor or if you know you have a bad one and you are looking for a good advisor, email me at and I’d be happy to help.

The audio book will be on various streaming services soon, but for now audio clips are posted to this website. Below you will be able to click on each section of the book. Once on that page, you can listen on that page or download it to your phone, ipad, etc., and listen to it. If you have any problems or issues, please feel free to email me at

Click on the links below and start listening to the book. Enjoy!

Foreword (Including About the Author)
Chapter 1—Everyone’s Worst Nightmare
Chapter 2—Insurance Marketing Organizations (IMOs)
Chapter 3—Life Insurance/Annuity Agents
Chapter 4—Broker Dealers (BD) and Security Licensed Advisors
Chapter 5—Financial Planners/CFPs®
Chapter 6—Fee-Only Advisors
Chapter 7—Sales Systems
Chapter 8—Attorneys
Chapter 9—CPAs/EAs/Accountants
Chapter 10—Concepts/Products Good Advisors Should Know
Help from the Author

If you are an advisor and want to give this book away in PDF or the audio version as an educational/motivational tool to potential clients, email me at and I’ll get you information on how you can do so.