Learn some tips on financial planning and how your financial future is dependent on your ability to be disciplined and structured.

"Brokers with Checkered Histories Cast Doubt on FINRA Enforcement Efforts" The article, published in Financial Planning on December 5, 2025, critiques the Financial Industry Regulatory Authority (FINRA)'s effectiveness in policing brokers with histories of misconduct, arguing that persistent gaps allow "recidivist" advisors to continue operating and harm investors. It highlights how FINRA's BrokerCheck database often fails to flag recent allegations promptly, firms lack robus

This article highlights 20 documented instances where retirees or pre-retirees have experienced significant erosion in their retirement savings—often 60-70% or more of potential net worth—due to bad advice, high fees, conflicts of interest, or unsuitable products like annuities, private credit, and structured notes. Drawing from 2024-2025 studies, SEC/DOL reports, and news, these cases underscore how conflicted advisors and illiquid investments can compound losses over time,