It was supposed to be so much different by now. Check out this ad from Schwab where the head of a brokerage firm instructs his staff to “put some lipstick on this pig.” This ad ran in 2002. Ah, how times have changed, right? Wrong. Years later, many brokerage firms are still pushing investments that are suitable for client portfolios but not necessarily in the client’s very best interests. “But wait,” you say. “What about all the problems encountered by…