Dear Harry: About three years ago, my boss recommended that I put my savings into an account with his investment guru. The fellow had a very pleasant personality, and referred me to a list of his clients. He suggested that I contact any two I chose. I did, and they were happy as a dog with a bone. He said he was investing only in U.S. securities, but with his own technique of using puts, calls, options and who knows what else to generate higher returns. I gave him $50,000. His statements showed a return of nearly 10 percent. They went up and down very little. Last week, I got a notice that my account was frozen because the SEC was on to a Ponzi scheme in which he seemed to be involved. My boss told me that it was a Ponzi scheme. There were no investments. The statements we received were all fakes, and it is uncertain what, if anything, we'll get back. I thought I did everything by the book with the recommendations from my boss and the others. What else can I do to protect myself in the future?