So, I noticed a trend to watch that is very worrisome. Big corporate is getting more and more powerful every day. Apple, Google, AT&T, etc have enormous power to dominate markets and set prices. I noticed recently that the big financial firms like Blackstone are starting to exert their own power over consumers. For example, they have a set of bond funds called iShares iBonds that are useful for building bond ladders. They had a tool on their website that made it easy to evaluate the different funds and build a ladder. It isn't a complicated tool, but they've now locked it away from consumers and force you to use advisors to get access to that "expertise".
I can see a near-term future where these mega firms like Fidelity, Blackstone, Vanguard, etc. start pulling information away from the consumer to force you to work with financial advisors. That is not good. Hopefully financial start-ups can fill any informational void these companies try to create.
More broadly, be prepared for continued excessive price hikes every year from these companies that operate in monopoly and oligopoly markets, because our government isn't doing anything to stop them. They are all on the payrolls of Big Corp.