Firstmetric

Yes, Direct Indexing does suck and the vast majority of people don't need it and should move very slowing if their adviser brings up the topic and run fast if they keep pushing it. Do your research - there are very few situations where this strategy may make sense for someone and it's not for what the Wall Street product machines and advisers are pushing it for.

Don't poison your clients' portfolios with Direct Indexing! Direct indexing sucks – don’t do it. Here are the reasons it will ruin your clients’ lives and you should run away as fast as you can.

Whole life insurance is "NOT" an investment & don't let all those insurance salespeople (calling themselves financial advisers) tell you otherwise. It's just "very" expensive life insurance. If you need life insurance then the vast majority of time cheap term insurance works just fine.

There is no such thing as socially responsible investments / portfolios. It's smoke and mirrors and just another example of the financial and investment community taking advantage of the desire of people to be socially responsible to extract higher fees.