Lots of these services are being created piecemeal. Professional management works for these people because the clients are overwhelmed and don't know what they'

Lots of these services are being created piecemeal. Professional management works for these people because the clients are overwhelmed and don't know what they're doing. They don't know how to budget X million dollars for 4 years. Most average people think that they do know what they're doing. They have a few hundred in the bank, they're paycheck is the same and comes every 2 weeks, and they know the price and value of the things they need. They don't suffer from the illusion that they can buy jetskis on a whim without bankrupting themselves.