A complete numbnut can read from a cheat sheet and say: "You need a annuity," or "You need a diversified portfolio of mutual funds," or "You need whole life." The bottom line is that you'll end up in the highest fee investment with the lowest possible return that the advisor could sign up with as an agent. As for the so-called independent advisors, they know what anyone can figure out for themselves with a little bit a reading. I'm sorry, but the financial services industry is almost a complete fraud, and most of the folks involved belong in jail.Your biases are really hanging out there.IF
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