Agreed. Their prevailing opinion is good on average and is probably better than someone with absolutely no knowledge about personal finance winging it. But, li

Agreed. Their prevailing opinion is good on average and is probably better than someone with absolutely no knowledge about personal finance winging it. But, like the infamous Air Force "Average Pilot" program [1], there are many things that will end up being wrong for the individual. 1) https://www.thestar.com/news/insight/2016/01/16/when-us-air-force-discovered-the-flaw-of-averages.html https://www.thestar.com/news/insight/2016/01/16/when-us-air-...