 I'm hanging out with Chad Zimmerman. He's with Northstar Financial Group. Chad, an advisor versus a do-it-yourself. A lot of guys and ladies like to do it themselves. Probably not the smartest thing when it comes to your finances. Typically, most people do not have the resources and the ability to make their own decisions when it comes to retirement planning or investing. Obviously, working with an advisor is going to allow them to have way more resources than