For many of us who have been in the industry for many years, the evidence is hard to take.

More than products or models, financial advice is about helping clients reach their goals.

Many firms don’t charge their clients for trustee, fiduciary, or planning services. In many cases, their clients get what they pay for.

Resist the temptation to invest like endowments, and keep it simple.

We want to understand what's happening around us. But what else are we doing? Sticking to our plans.

Stay calm and stick to the plan.