Question? If you had a serious illness would you go to a sales person in the industry of medicine to get advice or to a Doctor? And would you get two or three opinions before you decided to let anybody open you up? Then, what's the difference in your serious financial health? What you take advice on one person who sells this or that? Or would you go to two or three different financial adviser's before you signed on the bottom line of any product or service? A lot of people have died by listening to a physician's word without thoroughly checking it out first. So, has a lot of people's financial health suffered death and bankruptcy. That's why people ask me so many questions without obligations or pressure. I am a very strong believer that financial education is extremely critical long before clients let themselves be sold some product or service that creates financial death rather than a long healthy life. For example; when was the last time that you actually read and or studied the financial services products