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.
Furthermore, the majority of fee-only financial planners have a minimum fee for an hourly, flat fee or annual retainer client engagement and often that minimum fee equates to a minimum account size. If a planner has a $5,000 minimum annual fee, you don't want to hire them to manage a $100,000 portfolio.