After highlighting one of our Talon Wealth team members' skills, we share how one listener recently reached out for a second opinion because he’s concerned about his portfolio being down lower than he'd like. But he's conflicted about what to do because he really likes who his advisor is. Mike talks about what to consider when faced with the tough decision of hiring or firing an advisor. Then we shift the conversation to Social Security. Most of us have heard we should wait as long as we can to draw benefits so that we ultimately bring in more money during retirement. However, could there be good reasons to start receiving benefits as soon as you can? Every situation is different, but Mike points out what to watch out for.