Chris Hoffman discusses the complexity of retirement planning and the importance of working with a financial advisor. It highlights the limitations of relying on employers for financial planning and emphasizes the need for personalized strategies. The hosts address common hesitations about engaging an advisor, such as cost and perceived complexity. They offer complimentary portfolio x-rays and retirement plans to the next 10 callers to demonstrate the ease of designing a comprehensive retirement plan. Visit Money Unleashed to learn more and sign up to get your 401(k) X-Ray. Call 404-341-6767.