A good doctor would never write a prescription before they performed a thorough diagnosis.
Discussing financial solutions before understanding needs and problems is like debating whether to take a plane, train, or automobile on a trip - before deciding where you are going.
Your financial plans and investments should always be based on your goals and needs!
A competent financial advisor would never recommend an investment (a prescription) before they performed a thorough analysis (diagnosis)!
For more details click on How You Can Begin the Process