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Post being replied to

I guess I was in a rush 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.