Brianna wants to hire a planner to completely manage her finances. Her friend, Jon, strongly advises her to take an active part in her financial decisions and argues that complete delegation of financial responsibilities is irresponsible. Why would Jon offer this advice?

A$.$ Many financial planners lack professionalism and essentially only represent themselves

B$.$ Financial planning requires little effort and most people can do it themselves

C$.$ Financial planners may replace their personal life experiences, goals, and objectives for those of the individuals

D$.$ Financial planners are tremendously expensive and individuals can duplicate many of their services on the Internet

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