One thing I continually tell my clients is that opinions from financial professionals aren’t worth much unless they’re put in writing with the professional’s signature and company letterhead. Anyone can give a verbal opinion, but unless they’re willing to back it up in writing, verbal opinions can become just vague memories or “words in the wind” over time. It’s harder to claim misunderstanding or miscommunication with words on paper. Any licensed professional is going to be 100% sure they believe in that opinion before they write it down and sign their name to it, because their reputations, licenses, and certifications are on the line.