Your advice may well be true for some, but not necessarily all. I am curious, however, how such blanket advice fits into the concept of “independent advice and a high level of personal attention” that you advertise on your financial planning website. If you’re going to go around making blanket statements regardless of an individual’s personal financial position I think I’d prefer to go to a financial planner that has my best interests at heart instead of automatically followiong the herd.

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