 it keeps you from losing what you've saved so hard you know it's really hard to say what you have and it keeps you from losing it in a market crash or some other bad situation or it helps you navigate a tricky situation like a divorce or being forced into an early retirement then you're going to be very thankful to have them on your side but again even though one day you might thank them it's important that you understand why that advisor is telling you what they're telling you