I dont think financial advisers have the ability to properly manage your financial situation without consultation either. So often reaching out to clients (if they dont reach out to you) they have a job change coming up, inheritance, child on the way or want to buy a new home. A fee and a 'let me know if you need anything' really isnt good enough anymore.
We can continue to convince ourselves its fine to receive a retainer so we can protect our bottom line, or we can become a profession.
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