I have read a little about it but my financial planner probably wouldn't advise me to do that because it would be talking money out of the stock market that he is getting paid a commission on.

There was a recent thread that discussed many aspects and uses, pro and cons of the different types of life insurance, as Bryan mentioned.Find that thread and read it.Then go talk to a fee-based financial planner who sells no products.

Consult with your attorney, your CPA, and your estate planner for guidance.If you are just starting out, I recommend you skip the business entity until you have a net worth in the high seven figures.

Your best bet is to pick up the phone, call the planning department and ask to speak with a planner.

Should I talk to a financial planner, attorney, CPA, or the milk man?

With over 15 years as a Certified Financial Planner I felt a need to weigh in here.Jon is pretty much dead-on with his comments.I wanted to point out a few things:Most people will always have a need for some life insurance for their entire life.

A very big portion of those big juicy checks belongs to our benevolent social planners in D.C.As bad as taxes are they are a necessary evil...

If you ever said what you did, I missed it, I just guessed at insurance/financial planner, broker/CFP, just guessing....take a shot, what's your opinion?

The issue is that the property is listed as a 3 unit in the county's website, but I called the city planner and they said that the property is zoned as R2.

Identifying the business aspects of any project, zoning modifications, meeting with city planners and adopting a concept for the project is not rocket science, neither is the glossy presentations since there are many specialists that can accomplish the same thing.