Next Gen Financial Planning North

Financial planning is in the middle of a quiet shift. For decades the industry ran on a product-driven model where advisors earned commissions by selling investments, insurance, or annuities. Clients often received planning as a free bonus attached to a product sale. That approach is starting to feel outdated. More advisors are moving toward a structure where the advice itself is the service, not a lead-in to a transaction. This change is often called next gen financial plan