Trying to plan for your retirement? So are these two... uh... dogs?, who have gone to Charles, their financial adviser, and given him all of their money in the hopes of a steady income in old age. Charles, they've been told, knows all the good brothers (not Lehman Brothers) on Wall Street and all the good stocks, so he will never make bad bets with their money. Does he understand derivatives? No, but why would he need to? And all he asks is a fee, even when the animals lose money. Totally fair.