Looking for accurate, transparent, objective financial education? It is easy to be confused about the financial industry and the recent ruling about who is a "fiduciary" adviser who is required to act in a client's best interest. Examine how the financial industry works, including how to invest independently using online brokers. Not everyone needs a financial adviser, but most people would like to understand investments. Learn about various types of advisers and investments, recognized and fake titles and designations, adviser fees, investment fees, hidden fees, transparent fees, risk tolerance, asset allocation, debt, and how to begin investing confidently on your own.