The most objective financial planning advice is generally obtained from :
a. insurance agents
b. stock brokers
c. fee-only planners
d. commision-only planners

C. Fee-only planners

Explanation:

Fee-only planners are enrolled investment consultants with a fiduciary responsibility to perform in their clients' best interest. Besides, they do not obtain any fees or benefit based on product sales. Because they have fewer conflicts of interest, they usually provide more extensive advice.

you can change by someone having a negative opinon of you in many ways for example thi can lead to depression and taking of ones life also known as sucide this effects there self esteem and ego in a negative way making them feel sad depressed and stressed causing them to act gloomy and sad if this continuses this can lead to self harm or much worse things.

hope i .