Investment choices advice can almost always be generic. Things like how much to save less so, but rules of thumb are still widely applicable. But when it comes

Investment choices advice can almost always be generic. Things like how much to save less so, but rules of thumb are still widely applicable. But when it comes down to something like tax optimization the variables start multiplying quickly—-state of residency, income, employer benefits, etc, etc. There’s a need out there for decent advice but not an exorbitant cost. On the flip side, as an advisor it’s tough to make a living without charging a lot because there’s a lot of overhead and non billable time. All of this wasted time is unnecessary, there’s no good reason that the systems have to be so complicated that even intelligent people get lost in all the details.