Embracing the simple second-grader wisdom will shield you from the “helpers” that I call Wall Street that merely want to transfer your wealth to them. And by Wall Street, I mean everybody who’s after your money, not just the large brokerage houses. I’ve seen many independent planners, insurance companies, and mutual fund companies do things that make me cringe. They all share one thing in common: They fail to pass a simple smell test from a second grader.
