How do we know what her "adviser" did or didn't try for structuring her  investments?  When all is said and done, even though she invested through an advisor, and apparently wanted one; the actual advisor may have been herself.  As an advisor I can certify to you, that many people won't do what's recommended to them, even when it can easily be demonstrated to be in their own best interest.  There's at least as strong an argument for the advisor being the scapegoat here as the culprit.