What exactly makes someone a "professional" in the realm of "financial advisor"? Unlike real professions, there are no requirements for advanced degrees or major-league exams or submitting to the rules (and ethics) of professional boards. As far as I can see the qualifications and scrutiny are less than for licensed electricians, roofers, or plumbers. Even lawyers (sorry Splotto) have ethical standards.You will rarely find financial advisors, even independent ones, let alone those working for brokerages, willing to suggest simple alternatives, such as CDs or US Savings Bonds (or low cost Vanguard bond funds), since they and their sponsors don't benefit.
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