Most of you, if not all of you, are listening to this podcast or watching this on YouTube because you have a financial advisor and you're wondering if you should fire them. You're wondering if it actually makes sense to, logistically how it works. And this is what I'm going to help you understand because sometimes it's you actually haven't asked them the right questions and they're a great advisor. it's no i know i should be moving on but

i just don't know how to approach that they're a family friend i've been with them for years 80% of

people that are reaching out to us they have an advisor but there's something missing they're not

doing the tax planning they don't specifically work with people retiring early they don't

understand the nuance involved with withdrawal rates or health care and so they're coming to us going going, listen, if I could pay less and get way more, this is a no-brainer. But sometimes it's not that simple. Sometimes it's what we call an incremental brainer. Hey, they're pretty good. They're doing all this stuff right. But yeah, they're just not doing the tax piece. And sometimes that's worth it. Sometimes it's not worth it. And so today is not me saying go fire your advisor. Today is me going, here's how to think through it. Here's some myths that you might be thinking we call it head trash right now so that if you do decide that you want to break up with your advisor, here's actually how it works. So some of you are going, hey, I don't even have an advisor. Well, this might not apply to you,

but it's still going to be helpful for you to understand that when that day comes, if you do hire

an advisor, how to know if you should keep them or if you should move on. So the really important

thing that I want all of you to know is my parents were burned by four financial advisors.

That is why I became an advisor. Now, a lot of

you already know that, but the important thing of why I mentioned that is it's not like these other

advisors were stealing their money or doing a terrible thing. They weren't doing anything crazy like

that. And so some people hear me say the word burned and they're like, oh my God, did they like

lose everything? No. When I say burned, what I mean is they were not optimized. Now you're like, hey, all right, burned is kind of an extreme word there. And I probably could choose a different word that might be more applicable. But it's the word that resonates with me because right now they're working. Luckily, they like what they do. But in large part, they wouldn't be working if they were doing the

right things if their fees were lower and if they were a whole lot more intentional with the way

they invested and saved on taxes so i'm lucky that they like what they do but my point is they're

working right now because they have to not because they want to and a good advisor should show you

how to do the opposite and that you should be paying them gladly going yep there is

tremendous value here now a lot of you are going to be like listen what how do i even approach this

conversation of breaking up with my advisor and i like to start with don't like first before you break up

with an advisor even consider it like have another option place so that you're like oh I know where I'm going to go don't

just break up for the sake of it and most of you won't and that's a good thing but it's also

I'll joke that I am the meanest early retirement advisor because I don't want you to retire

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