Natalie Dunston of Denver, whose husband, Lynn, once exchanged credits he earned selling annuities for a diamond ring worth about $3,500, which he gave to her. “You can see why advisers might be conflicted about offering something like this versus a low-cost index fund,” he said. “But I really thought I was doing the right thing at the time.”Are financial advisers trying to part you from your money in ways you don’t understand? Ask them this set of questions.