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And now, for the Financial Times ranked top investment advisor Hanson McLean, it's Hanson-McLean's Money Matters.

Welcome to Hanson's Money Matters. I'm Scott Hanson. I'm Pat McLean. Thanks for joining us.

That's right. Glad you are here with us on this October 10th weekend, both myself and my co-host here. We're both financial advisors. Certified financial planner, charter financial consultant, certified fund specialists. We spend our weekdays meeting with people like yourself, just meaning we are practicing financial advisors. And we spend our weekdays meeting with people like yourself just meaning we are practicing

financial advisors and we spend our week ends being your financial advisors on the air and the reason

that we usually start off the program talking about why we're practicing financial advisors we

understand this from a real world perspective so by working with people and talk with people and dealing with people, we understand the complexities of life.

We understand what happens emotionally when we have transitions in our life.

And we understand how that all relates to people's finances.

It's the academic versus practical.

Yeah.

So we've got the academic education, but I was not nearly, oh, you hate to say this.

When I first started in the business, it was mostly academic.

It wasn't so much practical, which is how people actually live.

And further, there are some financial programs that I've heard, whether it's on air or on television or some other talking heads, that they talk about being financial advisors, but they've never had any clients, nor do they have clients today.

And without having that real world experience, sometimes I hear the advice and I kind of scratch my head and think, well, that sounds good.

But would people actually act that way?

Yeah, I'll give me a prime example.

And so I'll give you a little approach on how we look at things.

So as someone goes, is preparing for retirement.

Someone's nearing retirement.

And if you're listening and you're preparing for time, you're going to retire sometime in the future, listen up. This is for you. So a textbook will say,

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