>> there was a horrible situation in florida abraham shakespeare was allegedly murdered by financial advisers. >> wow. >> but she found him by -- she paid the police to trace his license plate number and then she developed a friendship that way. >> how do you separate the people who are honest and good dealers from those who are not? >> first of all, you get reefls who have been in the business for a while. people who know what they're doing, have a good track record and try to get someone who's done this before. so have some experience as opposed to just picking your friend down the street that's a real problem. problem with lottery winners, they don't have systems in place. >> i think it's interesting. you say not to take the lump sum. >> 98% of people take the luch sum. but i think if you can spread it out over time, two thing. it gives you more opportunities to get things adjusted, to get things right. as i always say f you blow through the first $5 million, you have 19 more chances to do it. usually it's a good -- your tax money, as you receive it if it's smaller, it's usually a