I found that financial advisors help you ask yourself questions - they don&#x27;t give answers.  It&#x27;s almost like psychotherapy.<p>&quot;Do you think Social Security will exist?  We can model your retirement both ways...&quot;<p>&quot;How much risk do you want to take?&quot;<p>&quot;How much do you think you&#x27;ll want to spend in retirement?&quot;<p>&quot;How much do you want to help your kids go to college, and how much do you think that will cost?&quot;<p>Yeah, great, thanks for costing me money and just asking me fairly obvious questions - that are almost impossible to answer.