 If you have a current advisor, get a second opinion. There's no reason not to get a second opinion. It's like a lot of things. We don't know what we don't know in life. And just because you've worked with somebody for 10 years or 15 years, it doesn't mean that their investment selection has helped you. You might be lagging the benchmarks, meaning you might be giving up two or three percentage points a year, which you don't think is a big deal. But over the course of 20 years, that's your money doubling, right?