Ten years ago I fired my advisor and opened accounts at an online brokerage , started learning everything I could and dumped every mutual fund. rebalanced to a mix of high quality stocks, preferred shares, bond ETF's and varying ratios of $US to $CDN.  A simple strategy of accumulation during market Lows and taking some profits at market highs is all I've done.  Much better ;)

My only regret is that I didn't do this earlier.  It's never too late to start and never to late to learn.