Financial Planning is NOT Complicated – Until now, nothing close to the exclusive tailored objectivity of a practical financial education has ever been offered by the financial service industry.  It was just too easy for the industry to make the gullible public believe that financial and investment planning was too complicated for you to understand and therefore you had to rely on “professional” help.  Yet research conducted in 2007 indicates that fewer than 3% of adult individuals and families have a professionally written comprehensive financial plan.  Well, we’ve all seen and experienced how tragically deficient that “professional” help has been in the last year 2008 and will continue to be as this financial debacle will only get worse before it gets better.