It is very important that students understand the difference between education and advice. When words such as “Fiduciary” are freely proliferated, it communicates that a financial professional provides sound advice. It is also true that in general financial professionals must be given ample time to internalize a client’s financial situation before speaking effectively to it. To provide competent advice which is in your best interest, it is logical that an advisor needs to have some of your pertinent financial details. Educational materials (including our book) can never be a replacement for sound financial advice. Advice provided by a licensed and acting fiduciary and after your personal financial details have been provided. Those kinds of financial meetings are typically paid, and generally under an advisory agreement.