Their general advice about diversification is not wrong, but the products they sell are in my experience not good.
Where to get better products? Do the legwork, understand how the cost is structured and what the goals and risks of a product are, where you save or pay taxes, and then become frustrated, get a depot and buy a cheap world ETF.
Their general advice about diversification is not wrong, but the products they sell are in my experience not good.
Where to get better products? Do the legwork, understand how the cost is structured and what the goals and risks of a product are, where you save or pay taxes, and then become frustrated, get a depot and buy a cheap world ETF.
You need to use financial advisors that are registered fiduciaries. That is a legal term which binds the advisor to work in your best interest.