The Most Important Financial Planning Recommendation

There aren’t many absolutes in financial planning. There are, however, many—MANY—opinions.

Advisors, personal finance gurus, and online opine-ers regularly die on the hills of passive vs. active investing, ETFs vs. mutual funds vs. individual stocks, traditional vs. alternative investing, good debt vs. bad debt, term vs. permanent life insurance, traditional vs. Roth IRAs, the roles of disability income and long-term care insurance, various cash flow management methods and apps, Social Security claiming techniques, tax avoidance strategies, and don’t get me started on the role of annuities in investing and income creation…