Many of us in finance have noticed the synchronicities of its issues with health. Medicines, like financial products, are used to solve a particular problem that a person suffers from. The diagnosis is a skilled job that keeps in mind many other issues that may be unrelated to the pain in the head at first glance. The relationship is based on the patient trusting the doctor for his professional skills and due diligence. The retail financial market is similar. For instance, the problem of solving just one financial issue, while ignoring the rest of the financial life, leads to bad outcomes.