Consumers are turning their attention to indexed universal life products, according to a new Milliman survey.

Millennials are distrustful of traditional saving options, including IRAs and 401(k)s--here's what they're choosing to invest in instead.

As John Wayne said about life, so it is with investing: It's hard; it's harder if you're stupid--that is, inexpert. Which is why an advisor needs to say no sometimes.