Both Pollock and Archibald gloss over the pre-eminent concern in this discussion: that embedded compensation unequivocally causes bias
Financial advisors should have a regulatory structure similar to those of lawyers, accountants, dentists and other professionals
There needs to be a national organization that governs financial planning with ethics and educational standards
OLHI finds that non-binding recommendations are effective
Serving investors is a great responsibility
Seniors are disproportionately exploited by advisors