Can you ever be sure that your trusted adviser is really working for you instead of him or herself? If they sell products or services or try to get your money under management, chances are that they might not have your best interests in mind.
To be sure, find a personal financial consultant who is conflict-free and is not selling products or services under the guise of financial planning. Find your guardian angel who will review the products and services you receive. We aren't trying to replace your advisers, just make sure they are working for your best interests and not theirs.
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