Welcome to the Jill on Money podcast. It's Thursday, July 29th. And yep, these are all still

pre-recorded because I'm in Vegas. And you know what happens in Vegas? Stays in Vegas.

Nah, I'm going to tell you all about it, but that'll be next week. Tell you what I was doing,

tell you what was going on. And I'll give you a little feel for what it felt like to be on the strip in the middle of the summer in Las Vegas. I'm already hot thinking about it. Anyway, if you've got a financial question, something going on in your life, please, please, please, shoot us a note. Ask Jill at jillonmoney.com. That's what Michelle did. She's

close to retirement and she wants to know, does she need an advisor? Let's find out.

My dilemma is this. My husband and I are going to retire in a few years. We're thinking

around four years from now. And we have been thinking maybe we need some help

trying to figure out exactly how to manage our money

and what's the best way of getting money

on a certain account and the tax situation around what we use when.

And so we've been interviewing some financial advisors, or they've approached us, some of them.

And I like to do things myself a lot of times.

I really like investments.

I like researching and knowing more about it.

That's why I listen to your podcast.

And all these investors want to charge us, of course, because we're using their services,

they're going to charge us a fee, which is fine.

However, it's going to be, you know, at least $10,000 a year, probably more.

Hold on. Let me just go back up for one second. So your four years from retirement, tell me

how much money have you saved in retirement assets, approximately?

In 401K, we have about 2.5 million.

Okay, great.

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