Choices require decisions. Decisions have consequences.
The quality of life, for you and those you love most, is affected by how well you answer questions like the following:
"What is the best strategy for investing my money?"
"Do I have the right kinds of insurance?"
"Will I be able to retire when I want to?"
"Should I purchase a rental property?"
"Do I need a will or a trust?"
"Should I prepay my home mortgage?"
"Could I reduce my tax liability?"
"What about municipal bonds?"
"Should I invest in my company's 401(k) plan?"
"How much should I pay for disability insurance?"
"What about long-term care insurance?"
"Are US Government bonds the safest investment?"
"Should I invest in foreign securities?"
"Do I have too much debt?"
Of course, most people do not possess a thorough knowledge and understanding of the multitude of matters related to personal finance. So they look for advice. And there is plenty of advice available. From insurance salesmen, stockbrokers, bankers, accountants, even newspaper reporters.
The problem is not a lack of advisers. The problem is that some advice-givers aren't really interested in your success, only theirs. Others simply aren't qualified. And, while good advice can be worth a fortune to you, bad advice can cost you a fortune.