Welcome to the Jill on Money Podcast. It is Tuesday, December 15th, and we're

delighted that you're joining us today. We always want to remind you that the way that you get in touch with us

and the way that we can help you figure out whatever financial goal,

objective hurdle, I don't know,

pitfall lies ahead is to send us an email. Our email addresses

ask Jill at Jill on money.com, ask Jill at Jill on money.com. And you know the neat thing is that because Mark is so super smart

he has figured out how he can get other voices on the air and so if you want to join

us on the air just let us know in that

email that is what Rachel did she is on the line from Colorado welcome Rachel

what can we do to help you out today?

Well, Jill, I'm asking for some advice. I met with a financial planner recently whose services were

provided to me for free through my employer and he recommended some financial products that I'm not very comfortable with or I'm not understanding very well and I wanted to get your opinion I don't want to

miss out on something that is a good idea for me but I'm not sure that these

complicated products are a good idea. My theory on life is the more complicated it is the less I'm interested in it.

That's kind about like relationships and products. So Rachel tell us a little bit about your life.

Well I'm 54 years old. I would like to be ready to retire at 60. I don't know for sure if I will, but I'd like to know that I have the option. I'm single, never married, no children, no dependents.

I make $109,000 a year.

I don't have any debt except my mortgage,

which I'll have paid off by the time I'm 60.

I have a pension that includes employer-sponsored health coverage.

So I've always, it's great.

I've always considered that the conservative fixed income part of my portfolio, and so all of the other money I have in

...