An advisor with two clients According to the most recent estimate from Fidelity Benefits Consulting, a 65-year-old couple retiring this year will spend $275,000 on health care, not including long-term care expenses. (Photo: iStock)

Not all financial advisors and wealth managers are cut from the same cloth. Some focus almost exclusively on growing clients' liquid assets. Others encourage clients to call them before making any big financial decision—"Don't buy a car without calling me first!"

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