We are in a time where people need financial planning more than ever. Life expectancy is longer, medical bills are higher, social security is in a dire state, and consumer debt is out of control. We are in a time where interest rates are still low, but will start to climb. This causes a chain reaction in bond prices declining. People generally throw their "safe money" into bonds and it will no longer be so safe. The stock market just went through one of the worst bear markets to-date and not everyone has recovered. Pensions are getting rarer and those who still have pensions are now getting...