<h1>Money: More Than Just Math—It’s Identity, Memory, and Meaning</h1>
<p>If an advisor ever opens with, <strong>"Trust me, I'll beat the stock market,"</strong> I would run. That line is a relic from the 1980s, like a Wall Street VHS tape stuck on repeat. It's not just outdated; it is a massive red flag.</p>

<p>Decades of academic research have made it abundantly clear: most advisors do not beat the market over time, especially after fees. The best advisors aren't trying to be magicians; they're trying to be mirrors. They reflect your values and keep your future self from sabotaging your present one.</p>

<p>And in the long run, that will beat any market.</p>