Finding the right financial advisor is crucial for your financial health and retirement planning. A recent Vanguard study found that on average, a hypothetical $500,000 investment would grow to over $3.4 million under the care of an advisor over 25 years, compared to $1.6 million for self-management. Fear and greed are the biggest problems for individual investors, leading to poor decision-making. When looking for an advisor, consider their education, licenses, and whether they act as fiduciaries. It's important to have a good rapport and trust with your advisor, but also to stay involved in the decision-making process. A comprehensive financial plan should cover income planning, taxation, insurance, estate planning, and investment planning. Asking the right questions and understanding your financial health and goals are key to finding the right advisor and creating a successful retirement plan. In this conversation, Ben and Nolan discuss the current state of the economy and its impact on retirement planning. They address concerns such as rising delinquencies, commercial real estate, and bank closures. They emphasize the importance of having a proper retirement plan in place to mitigate these issues. The conversation also touches on topics like ETFs, managing money oneself, and the role of a financial advisor. Overall, the hosts provide insights and advice to help listeners navigate the challenges of retirement planning in uncertain times.