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Post being replied to

As JT describes below, good money management by rflor

Uses a variety of techniques, including mutual funds, ETFs, specific stocks, etc...all tailored to the individual’s risk level.

If your threshold for advice is 100% product agnostic, then what would you expect from an advisor? To me, it seems like an unattainable bar to clear.

I do not have a dog in this hunt....I’m an IT guy who enjoys doing his own investing/personal finance, but these type of absolute statements come across as unhelpful.