where we are investing and why, the 529 plans, how the GI bill I passed on to our kids works...she just smiles and gives a thumbs up. She is frugal and good with money, just no interest in really understanding investments

I think people like your wife and mine are vulnerable to getting taken advantage of by “financial planners.” I’m not sure what the solution is. Perhaps a document of bullet points on how to avoid scammers?