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James' 4,700 reps cater mainly to middle-class types like the Bollingers who pay for guidance on everything from saving for college and buying a house to setting up a trust and choosing insurance.
Privately paid for guidance counselors -- at least the good ones -- know the ins and outs of the system.
"Pro athletes who can pay for medical guidance should take steroids," he said.
That's why geriatric care managers — who can assess the situation, come up with a plan and supervise its execution — will be getting phone calls, at least from families able to pay for professional guidance.
This new sales avenue is "a definite turning point" in fund evolution, Mr. Melter said, as more investors, especially middle-income people unable to afford expensive consultants, are nonetheless willing to pay for basic guidance.
It can be politically difficult for small, poor countries to heed moral lectures from America; it can be far more palatable to pay attention to guidance from other small, poor nations facing similar challenges.
Also, they will help pay for a guidance counselor who will be shared with Jefferson Elementary, if the hire is approved by the school board.
It was the only moment when we paid for any guidance, and it was well worth it.
The whole approach rests on expanding the pool of employable labour, with intensive careers guidance paid for by welfare savings, he notes.
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