@Todd ********
that is a cynical way to look at it. There are brokers at
@Tenzing ******************
with over 15 years experience, working in the industry for 20,000+ hours and with detailed knowledge of 1,000 of different policies, yes they earn money from their advisory in the same way any professional services firm does. Are you suggesting anyone who earns money can not be experienced and knowledgeable and be called an expert?