Alan, flying solo, gets into the nitty-gritty of what it REALLY means to you when looking for an advisor who is a fiduciary versus someone who follows the suitability standards. Very different definitions that you need to understand when choosing the right advisor.
A Stock Broker, an Insurance Broker, an Advisor and an Adviser are NOT all the same - and should not be treated as such. Who are they looking out for? Themselves, or you and your family?