Don’t need a financial advisor to just put it in a total market index fund.

private credit, private equity, and even cryptocurrencies

The wealthy do well with alternative assets like private equity, placements, private credit, crypto, and even hedge funds (perhaps the most variable returns of the lot) because ....... pay attention ........ they get good opportunities because they hang out with wealthy classes of people!

When you invest in generic assets marketed for the masses - no matter how good the big bank, broker, CFA - you get investments that don't perform as well, and may even be schemes, scams, pyramids, or worse.

It's a question of risk.

I'm not changing a thing. If you want to add those assets, you can already do so with ETFs which are highly liquid, you can track the results daily or hourly if you want. No need for the additional fees of all the complexity Trump is throwing at the public to benefit his backers.

That's my take on it.

means -0-. The courts have to decide, yes we still have them.

My understanding is the case claims only Congress can regulate business etc, and seeks to require legislation for each specific regulation, rather than delegating the authority to the executive branch.