<prompt> Human: I recently bought my first house and as part of the mortgage process my bank looked over all of my investment accounts. My banks financial planner now wants to take me to lunch to discuss my investments and I assume try to convince me to let them handle my accounts. Im not crazy interested in this, but hey free lunch.What I want to know is what should I be ready for in this meeting. What questions should I be prepared to ask? Also, what questions should I be prepared to answer?I dont have a problem with someone handling my finances if there is some real value added, but I honestly dont know how to tell. My general feeling from here is that financial planners are unnecessary for most people, so I dont want to get caught off guard by a sales pitch. At the same time I want to know if they can actually offer anything beneficial.A little about me:-Im young, single, have a solid job, and have no debt outside of the house I just bought which was in my price range-I started maxing out both my roth IRA and 401k this year and have my other savings in Vanguard ETFs-Im fairly diversified in those accounts, both honestly picked investments pretty randomly. I tried some active management initially, both have mostly given up and am content to let that money sit as it is not needed any time soonSo what should I expect in this meeting? And how can I tell if a financial manager would be worth the cost? Is there any circumstance in which that would actually benefit me?  <response>: So what should I expect in this meeting?A sales pitch.What questions should I be prepared to ask?How are you compensated? Do you advise in a fiduciary capacity, and will you sign something confirming this? What is your fee schedule? Are you compensated by commissions from the products you sell? 