every "financial plan" I have ever seen is simply some person who ended up buying a bunch of products from a handful of people. Someone once in a while bought a bunch of products from one guy...and that guy called it a "financial plan"...so we have come to believe that buying a bunch of different products from the best salesman (although we would never say we got sold) is a 'financial plan'...

we obviously need the products of financial institutions in our plan...but the plan is not buying the products from a guy or a bunch of guys... its how those coordinate...

Anyways...I see what you are saying and agree. But lets just make sure that we are not calling getting sold a bunch of differnet products (401(k), term, UL, gold coins, art, etc, etc) is a financial plan...maybe a plan for failure...but it by no means is the coordination of hard assets that create environments where you money actual works for you and pays your bills...