Here is a pie: Financial products are almost always zero-sum games between the client, his financial planner, and the product provider. It is nothing more than deciding how to cut up a pie to be shared. Thus, I have a pet theory which I shall call my very own “Seth’s Pie Theory”. In this theory of mine, the client is akin to a person who wants to bake a pie. The financial product provider sells baking supplies, while the financial planner is a baker who would turn the ingredients into the final baked product. This is what I feel is an equitable scenario: The company providing financial products should take a small slice of the pie as it can survive on volume. The financial planner should get a piece as he puts the pie together, but also survive on having multiple clients for more pie. The client, being the one ......