When free isn't free at all...
This isn’t supposed to cause unnecessary alarm, however, it has come to the attention of the HOA Office that there are some Financial Advising Groups that are contacting residents, without being vetted by the HOA. They offer free financial education and their services. After a period of time, when it comes to structuring your individual portfolio, they will try to sell you additional group Disability Insurance, Specialty Disability Insurance, or even Life Insurance. Some of these businesses are very upfront about it. They tell you they’ll invest your money for free, but you must purchase their other products, accordingly.