>> well, it's interesting because a lot of folks are pitch, afraid whether or not they can afford it, afraid that they're not going to have the right financial adviser. what i would tell folks is choosing a financial professional is not unlike choosing a doctor. it's similar to your physical health. you don't get heart surgery performed by your general practitioner. you don't have your optometrist clean your teeth, and you don't have the dentist help you with your eyes. you look for a professional and expert in that particular area.