I heard a phrase recently: “Magazine architect.”It’s a derisive term architects use for their colleagues who design buildings that look beautiful, grace magazine covers, and win awards, but lack functionality for the tenants.The same is so true for financial professionals. If you are looking for practical advice, beware hiring an artist whose goal is to be praised should be, too.Thanks to my friends at Ramp -- the best expense accounting system I've seen. For more check out ramp.com/morgan.