Final answer:
Financial planner's investments and spousal equivalent's retirement savings can impact independence.
Step-by-step explanation:
The investments made by your financial planner on behalf of you or your spouse, and your spousal equivalent's retirement savings investments could impact your independence. When you rely on a financial planner to handle your investments, they have the power to make decisions that can affect your financial future. Similarly, your spousal equivalent's retirement savings investments can have an impact on your independence if you are financially dependent on them.