<prompt> Human: We have always managed our investments and financial ourselves in various asset classes but mostly stocks Vanguard and rental properties. A good friend of ours is a financial advisor and wants to sit down with us to go over our investments and financial plan. Weve always steered clear of financial advisors because we figured theyd just want to get us to put my money into something on which they get a commission. Should we spend half a day driving out there and hearing what he has to say, or would that be a complete waste of time that we could spend making money?  <response>: You sound savvy enough to do your own allocations. Most of us arent. We rely on the fiduciary integrity of professionals to put our available cash into the right investments so that we can eventually retire and let our cash take care of us.Sounds like you need to evaluate what this friendly professional of yours really wants - to help you, to help himself, or for some other reason. Either way, it costs nothing to listen, and you seem smart enough to know a snow job if you see one. 