Hard to sell annuities and/or life insurance products and still call yourself a fiduciary. I know some of my fellow CFP's do it, but I don't understand how they navigate the grey area.  Am I qualified to sell annuities and life insurance  products and do I still  take the annual CE required to sell these products? Of course. But it seems pretty clearly not a grey area by my interpretation of the fiduciary rules. However, like most things in finance, it's a self certifying, self policing type of thing (unless someone makes a complaint...then it gets real).

As far as can't stop, won't stop - it has worked for the better part of 15 years now. It's been so long that most working don't have any memory of the lost decade that came before the money printing ramp. And now, our leaders have taken away the Gov's credit limit and neither side indicates any urge to slow down...in fact, the talk is about accelerating spending. So, it has been different this time....and I think it might continue to be different. They are enriching the rich and destroying the middle class...and the masses are cheering them, oblivious to what's really going on. All we can do is buy as much as possible and hope we have enough assets accumulated to keep up with the madness. If you're just starting out without a pile of assets to play the game, it's going to be very tough to both accumulate and keep pace with the debasement.