You pay just not with $
Ah yes guilt sell - gee they bought me this dinner.
Just remember the financial advisers used to have to be a fiduciary and work for you the rules changed they don't now if it seems like they are just after the money not your welfare they are
"BLOOMBERG
Last year, the Trump administration abandoned a regulation designed to protect U.S. savers from conflicted investment advice. Known as the fiduciary rule, it would have required more brokers and insurance agents to disclose when they’re getting paid to steer people into certain investments. It also would have banned the sale of certain retirement products when they aren’t in savers’ “best interest.”
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