The slick ads feature happy investors who have reached their life’s goals; nary a frown to be found, regardless of market conditions.

It’s funny how that happens. Only, it doesn’t.

The wire houses and other “advisors” who talk about Financial Planning, offer, for the most part, a ream of paper with little or no value. The product offered is typically a generic printout of charts, numbers, and projections that are based on a questionable set of assumptions and facts.

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