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Solutions.com slash SmartVester. Neil is in Birmingham. Hi, Neil. How are you? Hey, I'm very blessed to be speaking with you and Jay, Dave.

Thank you. How can we help? Yes, sir. speaking with you and Jay, Dave. Thank you.

How can we help?

Yes, sir.

So my wife and I are working on baby step four and six.

We are both nervous about a retirement and working with a financial planner, or advisor.

We've never worked with one before, but we both grew up in households with pensions, but no nest egg

to fall back on. And so we're really nervous about the future. Neither one of us want to retire

poor. Good for you. Well, what you don't want from an advisor, I'm not sure why you're nervous.

I want to hear that in a minute. But what you don't want is from an advisor. I'm not sure why you're nervous. I want to hear that in a minute. But what you don't want

is from an advisor is arrogance or dropping their glasses on the end of their nose and shaming

or telling you what you need to do. These are all warning signs that you run from, that you should be nervous about.

When you sit down with a good advisor, they should be teaching you and saying, this is how this thing

works, and this is why I personally use it, and this is why Dave Ramsey recommends this and here's

how it works and you say well I don't understand okay well let me try let me teach you another way

well I still don't understand okay then your your job is to teach me and then I will decide

I kind of think of it this way I think about sometimes I go into a nice restaurant

and we ask the waiter, you know, what's the best thing in here? You ever done that? Yes, sir.

And I don't always get what they suggest, because sometimes what they suggest I don't like.

Yeah, we, we've turned, I don't turn my choices over to them. I just listen to them and then I make my choice.

Yes, sir. So we've been doing it on our own for several years. We basically started putting in 15% I guess about five or six years ago after we finally were able to.

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