I will be the first person to say, please do not hire an advisor because we can't add value to your life.

And other advisors don't like when I say that.

I will say that at the end oftentimes my YouTube videos.

And I know everyone doesn't get to the very end of the YouTube video or the very end of the podcast.

I only know that because I watch YouTube videos and I don't always go to the end.

And I will say say if you're looking

for an advisor who's going to tell you to rebalance and you should buy this ETF instead of that

mutual fund and here's when you should collect Social Security, don't hire us and maybe don't hire any

advisor. Now the reason the other advisors get mad at me and send me emails like, hey, Ari, would you stop saying

that because you're hurting my business? Some of my clients listen to your podcast and the videos,

and I have to say nicely, I'm sorry, that's not my problem. My job is to add significant value

in excess of the fee. So I put out a video on YouTube saying, am I crazy to pay $30,000 a year to an advisor?

And sometimes the answer is yes, you do not need to do that. Other times the answer is no in the

way that we have clients that pay us $70,000 a year and they're over the moon to do it.

So it's all about experience, timing, what you're looking for out of an advisor.

What I'm going to do today, and yes, this is biased. I'm an advisor. But what I'm going to do

today is actually give you five reasons to consider hiring an advisor in terms of how it can change

your retirement, not do you need them? Look, here's the reality. The reality is most of you guys do not

need an advisor. An advisor is not about need. An advisor is about quality of life in helping you

optimize what you've worked so hard for. Now, what I'm going to tell you today, this is not

my traditional episode of, hey, I'm taking this from five clients that I recently discussed

this with. I was on Reddit, and I saw someone post this, and I liked the way he described it. So I'm going to go through each of this person's points. Now, I don't know this person. I just read this, and it resonated with me. So I'm going to share it with you guys. Now, whenever I'm doing any of this type of content i want you guys to know you can

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