Posts by Roberto Aponte

Article Written By: Roberto Aponte Let’s be honest about something the industry doesn’t love to say out loud: complexity sells. Not because it helps clients, but because it justifies commissions, keeps advisers in the conversation longer, and makes people feel like they need an expert to decode what they’re buying. And here’s the uncomfortable truth:…

Article Written By: Roberto Aponte Every year, some version of the same argument makes the rounds in financial planning circles: term life insurance is a waste of money because if you don’t die during the term, you get nothing back. The “buy term and invest the difference” crowd fires back. Everyone digs in. Meanwhile, the…