Nice article Abigail. I would summarize it by saying 1) just avoid anything “investing” that involves an insurance company, and 2) avoid non-fiduciary “advice” like the plague. Investors are always trying to reinvent the wheel (giving up on the time tested stock / bond allocation) by looking for the next, newest thing to invest in. There’s always a shark (non-fiduciary) looking to swoop in and sell them a high commission based product like some annuity, limited partnership, life settlement investment, promissory note, non-traded REIT, etc.
Stick with ETF’s like VOO and BOND. Couch potato portfolios have been beating non-fiduciary snake oil products for years. If you need someone to hold your hand in selecting a couple of ETF’s then pay a fee-only RIA for a one time consultation.