In this episode, I dispel the general misconceptions about financial planning and explain all of the money challenges a real financial plan will help you solve. Real financial and retirement planning covers taxes, estate, insurance, debt and credit, investing, income planning, and more! But the Wall Street marketing machine has trained you to think financial planning is investment-focused. Unfortunately, for most "financial advisors", financial planning is just a watered-down pretty software proposal designed to encourage you to buy an insurance or investment product. Real comprehensive financial planning is all about solving problems, not selling products.