I confess. Industry professionals do NOT offer the best products available to help you reach your goals. Sad but true. I was a financial industry executive for over 20 years. I have managed sales units in a securities firm, two banks, an insurance entity and an advisory firm. I am now retired. We industry "professionals" never offer the best financial products to you. Most of what the industry offers is designed to pay for the high costs of industry management. We never educate you about what you really need because we have revenue goals to meet. We want our bonuses. The best products just don't pay high commissions, fees, junkets, kickbacks and bonuses. We say: We want to be rich, not your unbiased advisor.