Who does the implementation of Garrett members’ financial planning recommendations, the advisor or the client?
This depends on your client’s preference and your preference. If your client is willing to pay your hourly rate for you to help them implement your financial planning recommendations, then you may certainly do so. If your client wishes to utilize your specific advice and recommendations to implement these things on their own (e.g. make investment trades, obtain appropriate insurance coverage, contact an estate planning attorney, etc.), they may do that as well.