You have saved diligently your whole life. You've built up your retirement accounts. You've done well.

And now you're asking yourself, why would I work with an advisor at this point?

I've gotten to where I am by myself, what on earth can an advisor help me do on a go forward basis?

This is the absolute right question to be asking because here's a reality. Not everybody needs an advisor. But,

and this is a big but, everybody absolutely needs to know what's at stake going forward so that

if you're going to do things on your own on a go forward basis, you know what to look out for.

Because what got you here today is not what will get you there tomorrow. That's why in today's

video, I'm going to help

you break this down. As a certified financial planner practitioner, I've had thousands of conversations

helping people to navigate that transition from their working years to their retirement years.

And from those conversations, I've seen exactly what works. And I've also seen the areas you don't

need an advisor to do the right thing on a go

forward basis. So yes, I am coming at this through the lens of being a financial advisor,

but that lens has shown me very clearly where an advisor can help, maybe in unexpected ways

that you didn't even know before, versus where you'd probably be fine on your own to go at

this even without a financial advisor. This came up recently in a conversation with the prospect. They had about an $8 million net worth, $5 million of which was in investment accounts, 401ks, brokerage accounts, et cetera. And their question was, we've never worked with an advisor before. And frankly, we've done quite well and we're quite proud of what we've done by ourselves. So what is it that now

would make an advisor valuable to us on a go forward basis when we've done all this without one?

So today's video is not just about those specific people as talking to. It's about you. It's about

your decision of whether you're going to work with an advisor on a go forward basis or not.

So before we jump in, and I'll go through a list of the things you need to be doing,

whether with an advisor or without one, in order to make your retirement journey a success.

But before doing that, let's address two misconceptions I hear all the time to make sure that

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