So, after the Edward Jones dialogue, we move on to Dave Ramsey. First, IS THIS GUY LICENSED AT ALL???? I've heard not. Ever. Never. No insurance. No securities. Even Suze Orman at least passed the test once. I've heard he wants his Dave Ramsey advisor minions to peddle term insurance, and term only. If your client purchases WL/UL, you're outta there. He believes in A share mutual funds. Whatever. Truly, to have such a one-track mind when it comes to investing, is scary. He believes in commission-only sales reps. In other words, fee-based advisors, whether financial planners, cpas, whatever, are not allowed into his crazy little hack world. Now, this doesn't mean some of the principles he espouses aren't good (I don't like debt), the whole enchilada is missing much more than the cheese!