Those products aren't necessarily bad for you, but it's worth scrutinizing their charges to see if they compare favorably with those of alternatives.

WSJ: Questions to Ask Your Financial Adviser About Fees

Of course, there is a vast difference between candies that aren't that bad for you and candies that actually might be good for you.

FORBES: The Healthiest Candies

Warning: While custodians for self-directed IRAs do sponsor seminars featuring promoters, they're not allowed to recommend specific investments and aren't on the hook if you pick a bad or bogus one.

FORBES: Magazine Article