The financial advice business is comprised of fragmented professional groups that don’t know each other very well, which is making for an awkward coming together being foisted on them by market forces. For example, the large body of knowledge from the American College, which has its roots in the insurance business, is largely unexploited by Certified Public Accountants who hold the Personal Financial Specialist (CPA/PFS) designation, yet CPA/PFSs, CLUs, and ChFCs all advise on estate planning strategies. Certified Financial Planners have a body of professional knowledge distinct from Char
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