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That person should have used a fee-only advisor. They don't earn commissions so they don't have a need to put clients in lousy, expensive products. NAPFA has high standards for planners. They have a web site that helps people find honest planners.

Only Southeast Michigan is having a problem. We moved to Marquette from Grosse Pointe in April. It took nearly two years to sell. We were always a little behind the curve, lowering the price a little too slowly. The Marquette real estate market is still very strong. A friend sold a 650k house...