Thirty to 40 years ago, most financial decisions were fairly simple.
From Scott Cook
Even the once simple home mortgage now has so many flavors and styles and variations that it is difficult for people to make a decision.
Well, today people have to be self-reliant if they want a secure retirement income.
The current institutionally provided retirement plans will not cover people's needs upon retirement.
Today more people believe in UFOs than believe that Social Security will take care of their retirement.
People don't place their trust in government or company pension plans; they have to be self-reliant.
Before 1980, it was basically illegal for U.S. banks to invent new products.
Fifty years ago wealth was stored and transmitted physically through gold bars, stock certificates, bank notes, and coins.
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