Here's a statement of the obvious: The opinions expressed here are those of the participants, not those of the Mutual Fund Observer. We cannot vouch for the accuracy or appropriateness of any of it, though we do encourage civility and good humor.
FYI: My first job out of college was working in a sales role at an insurance company. They liked to think they were doing holistic wealth management, but all that meant was once all your insurance needs are filled, they could also sell you a financial plan and sprinkle in some mutual funds. Regards, Ted http://theirrelevantinvestor.com/2017/11/25/the-worst-advice-i-ever-got/