I sat through the ESI sales pitch a month ago and was VERY impressed with the plan they had. No, I did not sign up. Many of the ideas they presented I learned from putting together 'the best of the best' ideas from this website.
If you can't beat'em join'em.
ESI has a very good comprehensive plan for those who need it (and can afford it). They cover the entire needs, some of which would take you years to learn, and hand it to you for a fee. If they come to your area, I highly recommend attending their seminar.
It's pretty simple, if you have a plan that works for you, use it. If you don't have a good plan, you'd better get one or go work for someone who does.
[This message has been edited by PE&Master (edited 12-10-2006).]
