One of the biggest problems in the financial services/insurance industries is the number of “bad advisors.”

Example: Bad Financial Planner

A financial planner can be considered a bad advisor for a number of different reasons (a few listed below):

1) The advisor might work with a Broker Dealer (BD) who ties their hands and restricts the types of investments or products that can be offered to clients. Unfortunately, this is more the rule than the exception with financial planners. Many restricted advisors are not able to offer items like Retirement Life™ or certain guaranteed return (accumulation value)/guaranteed income for life products.

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