Those aren't exactly questions I know how to phrase for Google, nor are highly published or easy to find.

You're right in that I'm not ready for that kind of startup, this is literally the first hour of research I've put into this. HN is full of smart people, I don't expect them to have the exact answers, but they can lead me to onto the right places. Which is exactly what I was hoping someone could chime in with, saying "I worked as a financial advisor, here's my experience...", etc.

Thats why I also left the questions vague and wide open, so anyone with any experience can participate. I'm not an complete idiot, I have some of the answers to my own questions, but there are answers and questions I haven't even thought about yet.

I appreciate the "concern" though.