"I’m uncomfortable with the fact that my planner has an obvious stake with this long-term care policy he want's me to buy." ...

Luck beat judgment and a $10-a-month habit made him a millionaire. That's not a strategy most of us can count on.

I have $720,000 in retirement accounts and $590,000 in an individual brokerage account. I also have $40,000 in a 503(c). I work for myself and my salary fluctuates between $80,000 and $170,000 a year.