I rarely ever say anything but it is amazing how many people have financial advisers and don't seem to mind paying the fees. I just had lunch with 5 retirees and most all of them mentioned using advisers. Now most weren't high end but like Vanguard or Fidelity but we are talking about engineers and other tech folks. Some people just have zero interest in investing. And in some cases in the past I would hear about how they were friends with the financial guy so they are letting friendship get in the way of business.

I just used an independent insurance broker and was able to save nearly $175 per month on our insurance policies. I was impressed that my old insurance company refunded my payments within the week.

Anyhow, I think this topic has lived on too long. Sorry for extending it.

Rich