joewolf, I have never used a planner or full service broker. I...

joewolf,
I have never used a planner or full service broker. I have had initial discussions with a few but have never been very impressed. Like any other trade or profession, I have found a mixture of self interest, apathy, and lack of vision or true understanding of the products or services being pushed, very uninspiring. I appreciate that there are some very fine professionals but therein lies the challenge, sort through the chaff to find them or take on the responsibility yourself. Either way people should educate themselves in these matters.
I have been very impressed with MG's rhetoric and believe his skill and discipline will lead to mutual benefit.