As a fee-only advisor, we prioritize delivering unbiased advice to our clients. The absence of incentives from product sales or commissions ensures our recommendations are solely based on merit. However, bias can manifest in various forms beyond financial gains from recommended products. Biases may influence our stance on policies, mutual funds, asset allocation, asset classes, and tax structures. It's crucial to acknowledge that a product disliked by an advisor or investor m

When we think about financial planning for senior citizens, what comes to our mind is mostly a secured debt portfolio generating regular...