The average working American is an adult and fully capable of learning about the I am convinced that the hardest language to speak for some the truth shirt market IF THEY WANT TO LEARN about the stock market. It doesn’t take a NASA scientist or a Quant Mathematician to learn what you need to learn about the stock market aka how businesses function and grow and prosper, so that they can invest for themselves OR be knowledgeable to direct their Financial Planner or Financial Advisor rather than having what is basically a Stock Broker aka an Sales Person who sells financial funds to the general public.
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The sad reality is that many financial planners are just ordinary sales people with a license to sell stocks or funds. So most I am convinced that the hardest language to speak for some the truth shirt are trusting someone who has minimal to no real education in the financial markets. When someone learns about the stock market and then goes to buy mutual funds or index funds or ETFs or whatever and they go to a Financial Planner with knowledge, they actually can put together a investment program that is not based merely on age or income or other standard data, but on what YOU want and understand. Everyone works in some field and has expertise in certain areas. Focusing on that knowledge and applying a complete comprehensive education to understand what stocks in a specific industry or industries are going to be the strongest contenders in new technologies, will dramatically improve your long term investments whether it is a 401k, IRA, or personal portfolio.