Every time I get up in the morning and think about how to help advisors move their practices (and clients) forward, I realize how much I still don't know or can't figure out about the financial services world at large. Instead of trying to come up with answers, I'll let you help me. If you can't, well, you can enjoy the knowledge that a widely followed financial columnist lives in a serious state of confusion.

With that, I ask: Why is it that only people licensed to receive commissions recommend variable annuities? Why aren't these investment opportunities recommended by advisors who don't take commissions?

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