Crippling consumer debt and bankruptcy are now common everyday occurrences in America, and that makes it all the more surprising that children don’t get money management training in school. Until that situation changes, it’s up to you.

Consumers often mistakenly believe that financial planners are mainly investment advisors, but the fact is that genuine financial planners provide a broad range of financial advice for a broad range of personal financial situations.

Few financial topics create the confusion that trusts do. Trusts are complicated, can be expensive to set up, and require professional advice.