"Gold clingeth to the protection of the cautious owner who invest it under the advice of men wise in its handling." -Richest Man in Babylon
This law is very complicated, although simple in principle. Most people believe that they are going to a professional when they have their taxes done, visit a financial planner, invest with a real estate group, or a myriad of other activities. How much homework are they actually doing before they invest with these groups?
Most people don't put nearly enough thought into this process before making such an important decision. I have to say your cousin, the financial planner, may not be the best choice for such financial decisions.
I encourage you all to take a closer look at what you are doing in your investments and decide if the person you are working with is a 'wise person' as this rule talks about. If you are giving your money to fools, you are going to lose it quickly.