Steven Dunn | Source | Head of ETFs at Aberdeen Standard Investments

The three things that most determine car sales are credit, employment, and consumer confidence, and all are working against car sales. Three-quarters of Americans live in states or cities where they are being told to stay at home, except for essentials such as shopping for food, drugs, or seeking medical care.

All signs are pointing to a healthy recovery for commodities in 2018 with a steady demand and tight supplies expected to increase prices, and an investor drive to diversify beyond stocks and bonds with securities not correlated to the broad markets.

There's no book with the title 'Advisors That Use Only ETFs,' but it's becoming much more common to find them. You have to find an advisor with a consistent philosophy of what you expect.