1. Talk to your tax and financial advisors prior to investing in ETF/ETN.

You may owe taxes even if you lose money.
Let's say if you make $600k as a couple and get taxed unexpectedly on your ETF for $30k later feb of 2021
Then you are screwed and will be on different tax bracket .

This is very reason I do not do ETF unless i need to buy commodities etf.

2. Financial advisors are 7/66 and few simple designation passed guys. They can allocate assets effectively and know your tax implications and coordinate it with your tax attorney and tax advisors.
They are not a fund managers, fund analysts,financial/securities analyst.