Everyone should be debt-free and should stay away from financial planners. There are good books on finance. Don't have blind faith. Brothers especially need to manage money and not give that responsibility to their wives or someone else. The very first thing a brother needs to do is make sure he has a ton of life insurance so his family can live in a debt-free home and have income from investments if he dies.
Most insurance companies push whole life that gives very little protection.
Term insurance is what everyone needs. And lots of it. Almost all financial planners are snakes. One of the best articles on the reason to buy only term life insurance is Venita Van Caspel's chapter in her book Money Dynamics . Use this chapter to fight off financial planners who push whole life.