We have 5 children and they all had ear problems growing up. We have used a product called Ear Ease for over 20 years that is awesome. It is a special hot water bottle that you fill with hot water and hold around the ear.
Financial Advisors make money by managing the personal assets of other people. For financial planners and advisors, especially for companies or business, they devise a specific portion off the sale, or charge for their service fees and accept lower interest.
The financial industry hates this fee-model structure because it shakes the current system and forces financial advisors to perform, but it is one of the best ways to keep your financial planner honest and transparent. Look for a pay-for-performance financial planner and yes, they do exist. This is how my firm, Sag Harbor Advisors, gets paid. Under this financial model, your advisor only gets paid if he makes you money. If your portfolio loses money, he doesn't get paid. Under this structure, there is no way to hide the fees, commission or kickbacks that an advisor receives from the financial industry.