Nobody fires their financial adviser when the stock market is up. But when times get tough, no adviser does their job well enough. Consumers are as fickle over the managers of their money as the owners of pro sports teams are about the coaches they employ, but the big difference is that in sports there is always a winning team whereas a bad market can make everyone a loser. Warren Buffett has famously said that “only when the tide goes out do you learn who has been swimming naked.” In the world of consumer-adviser relationships, when the tide runs out, the customer sees issues with the adviser without recognizing the…