<prompt> Human: Ill make it short, my friend who is still in school is interning at Northwestern Mutual for the summer as a Financial Adviser of sorts. Doing the friend thing to do I answered his call knowing he would asked to schedule a consultation with me. I am a recent college grad 2015 and have a fairly decent paying job, but beyond my company 401k match, my acorns acount and about 3k saved up I dont have much money to invest after my expenses. My question for PF is how can I help my friend? Is there certain questions I can ask even if I dont have the funds to start an account through him? He said his mentor would be on this call with him and I would like to help him succeed in the smallest ways I can.  <response>: My question for PF is how can I help my friend? Is there certain questions I can ask even if I dont have the funds to start an account through him?Ask him to explain the benefits of whatever he offers you. Maybe ask why it might be better to take what he is offering over a Roth IRA with Vanguard.Those kind of questions are questions that a good salesman will have answers for and demonstrate that he understand the product he is selling.With that said, dont buy anything he is selling. 