I really don't think like a re balanced, autumated portfolio of e t f is going to take a skilled, certified financial planner's job away. Most people think of myself as still a stockbroker. You know, it's about the investments. And ye, a big part is, again, that's not what financial planning is all about. But no, they say the majority of personal finance simply managing your cash flow,. learning how to save in a disciplined way and just be systematic about investing.

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