@Oscar Beteta I use Allstate for my home, auto, landlord, and umbrella insurance.

To answer your question about financial advisers, its easier for common people to invest in mutual funds and the stock market. it's more liquid, and all you need to do is buy a mutual fund. not much research required. you just set it on auto pilot. 

I created my own auto reconditioning business three years ago which ultimately has been a financial blessing to my family.

Detroit is heavily reliant on the auto industry, but it's not all we have!

Be especially careful charging a tenant for the entire cost of carpet when the carpets are like 10 years oldPicture or pin holes in walls, as long as not excessive Painting the exterior of the homePressure washing unless there are oil stains from their auto Routine maintenance There are many more circumstances that could and will come into play, but lets all work together to come to a resolution.

I still owe around $8K in student loans that I've been paying just over the minimum monthly on auto-pay since 2012. 

Don't like how rent is received 7+ days into the month but great from auto billing late fees and avoiding those harder conversations. 3.

I haven't used Liberty Mutual for landlord insurance, just my own home and auto.   

Another carrier that can do stand-alone umbrella policies (meaning they do not have to write the home or auto coverage) is RLI Insurance.  

My payment for the primary residence are auto drafted.