For decades, Americans were given the same advice about money: Find a good financial adviser. Trust the person, not just the process.

That model worked when markets were simpler, tax laws changed more slowly, statements arrived quarterly and financial decision-making wasn’t so complex. But today, investors are navigating inflation, volatile markets, rising debt and rapid policy shifts — all while still relying on advice that’s often reactive, emotional and outdated.

AI FUELS BLUE-COLLAR PRODUCTIVITY BOOM ACROSS MANUFACTURING, PALANTIR TECHNOLOGY CHIEF TELLS FOX BUSINESS

And now comes an uncomfortable truth Wall Street doesn’t love talking about.

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