To highlight though, many CFPs with the best of intentions are "sold" the funds and ideas they recommend, the whole life policy people fixing retirement plans s

To highlight though, many CFPs with the best of intentions are "sold" the funds and ideas they recommend, the whole life policy people fixing retirement plans shouldn't be "wasting" money on. True fiduciary duty with being read in A Random Walk are not common in your average CFP, insurance broker, or finance graduate.