Great point Linda,
I just recently had my meeting with my financial advisor and just like we cool software to help sell HVAC, they have much better software's now that can calculate what you need to do and explain in easy terms. A few years back we had to go through the questionnaires on what we wanted in the future and for situations such as me not being around. He types it all in and is able to show us how much life insurance we meet, how much we need to be putting in 529s for our children, and what we need to be putting in 401k and IRA to hit our retirement goals. Great information that my wife and I can look at to see if we are really where we need to be as most of the time we are short of what we want.
Cost of the consultation, nothing. He will get my future money and that is what he is after.
Hope this helps.
Tyler B. Kime
Standard Heating & Air Cond. Co. Inc.
Air Conditioning Contractors of America