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As you've pointed out, financial planners will have to charge clients for their services. If you want their expertise you'll have to pay for it. Some institutions will offer financial planning for free, or next to nothing, but the only thing they'll be selling is their own products. They...

Okay guys, so what are people's actual expectations of "financial planners"? There's a lot of talk here that financial planners are a waste of air, but I think there is a place for them. I agree that they shouldn't be commissioned sales people, they should be strategists. I'd like to know...