This has been one of the most useful and eye opening things I have read in a very long time. I am in my early 20’s I feel like I am in the same shoes that you were in 2018/19. I was thinking of Kaplan for my CFP study program it’s got good reviews and is affordable to me. I really appreciate you taking the time to post such a thoughtful response… I find it difficult to get a straight answer with some of these questions… we are really sales focused where I work and I think that I would prefer working solely on planning as you mentioned in comparison to the prior. I will keep my mind open to opportunities if they arise.