This company totes itself as a military friendly company with a basis in financial planning. I left the company because I couldn't do what was in the fiduciary capacity for my clients. Every client needed whole life insurance first, without question. It so happens, advisors get paid a pretty massive amount of money up front for the sale of the whole life products. The multiplier actually incentivizes advisors to sell whole life over any other product. The majority of advisors here don't know how to actually write a concrete financial plan, let alone make prudent financial recommendations.