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How do you differentiate between many so called financial advisors?

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In my neighbourhood, there are few investment & insurance agent shops. Their boards at the top read – ‘We offer insurance, mutual funds, real estate, financial planning services’.  Ditto on visiting cards if you observe. An agent selling child plans, retirement plans will proclaim himself as a financial planner or investment advisor or a financial advisor. These terms have become so generic that a lay person cannot differentiate between the many professionals in the financial services industry. There is an agent who sells insurance, a distributor who sells mutual funds, a stock broker who provides platform for share trading and the so-called advice dispensed in the transaction process lead people to believe they are financial planners/advisors. But no, they aren’t.