<prompt> Human: Hey everyone, Im new to this sub. I quit my job a few weeks ago. Im going back to school to get my masters degree. Im meeting with the financial advisor to figure out what to do with my 401k from my old job because my new job doesnt have a retirement plan. Im just working there while Im in school. But I was wondering if there were any red flags I should look out for when meeting with him?  <response>: The first red flag starts with you. Unless you have a couple of million or more in investable assets, you do not need a financial advisor. If you are not really wealthy, most of the answers can be easily found online for free. 