[threefour]

That's true, states do regulate insurance including licenses for sales. And there's some Federal regulation too.

The tension between commissions and neutral financial advice is an important issue. Sometimes advisors disclose their compensation but not always. In our case we could not only disclose that but also reveal the logic and math behind the recommendation. The rules aren't a secret; anyone can look them up in a book. The value we add is not having to look them up, and then reconciling all the different rules into an algorithm that takes all the variables into account.