How do you answer the question "Do I need a financial advisor?" Here are some warning signs that we see when new clients come to us: You don’t seem to be getting anywhere. Money comes in and goes out, you don’t save, and your credit card balances never go down. Your employer offers a 401k or other tax-favored retirement savings plan, but you don’t contribute. You contribute something to your employer’s plan, but have no idea what you are invested in. You have multiple retirement accounts at former employers and don’t know what to do with them. You’ve inherited a much larger amount of money and investments than you are used to dealing with. You aren’t sure how much money you’ll need to generate an adequate retirement income. Or, even worse, you think Social Security will take care of all your needs. You aren’t sure how your family will get by if you die or become disabled...