In reply to: this might be the most ridiculous thing I've ever read posted by jt
I should have also included "full service."
I don't have anything against the wirehouse guys, but in a lot of ways they come up short on being able to set up a true comprehensive plan.
The big thing about independence is to be careful when working with a guy from an Insurance company; it's been my experience that those guys tend to push their insurance answers first, but not always.
Working with someone you trust is the most important thing.