<prompt> Human: I never really given my retirement much thought so when a person I met at a networking event suggested a meeting about my financial future, I decided to hear her out.I eventually met with her partner and they suggested a couple of things but nothing concrete. They really wanted to know how much I had to invest and where my funds are now. They didnt ask me about my IRA account or other retirement accounts I hold. I currently have about 300k in about 10 stocks that I purchased over the years. I have about 200k sitting in an online savings account. I am on track to make about 225k this year, I owe about 50k on my house, 75k on my car and have no other debt or responsibilities i.e kids Everything was presented in a high level manner so I was just presented in paper what they wanted to do with my 500k.1. Guardian Whole Life 95 Policy - Basic Policy Face Amount 1.3M Initial Annual Premium 31,750The advisor kept saying this was the safe part of my investment and was akin to Bank Owned Life insurance and that I could make more or less payments each month2. Transfer all of my stocks to their securities company and eventually sell the individual stocks over a 3 year period to reduce my tax burden and allow Clark Capital to manage the account.The fee for the portfolio administration was as follows:1. Financial Advisor - .902. Platform - 1.05Total Annual Fee - 1.95I told them now that I have everything in front of me, that I will get a second opinion and make a decision by the end of this week. His response by email was For example, most tax lawyers view the life insurance as only a cost decision, but we are suggesting it for you as a form of personal BOLI or bank-owned life insurance, whereby banks view the decision as a flexible asset allocation decision. This is what yours is.In addition, the investment account recommendation is very specific to your goals of holding individual securities and maximum tax management. Foolish me already signed for the whole life policy but Im still within the 10 day free look fee, plus I havent paid or transferred any money to them.From reading reddit and other websites, I think I should run as fast as I can. Any suggestions? I appreciate any guidance. More background information:There was actually a team of 3. The first one was the one who met me and went over my finances. Then she, Nancy, introduced me to her colleague, Mark, who was pushing the insurance aspect and finally they brought in Richard who would handle the market based investment. Nancy didnt really provide any information. She just sits back and takes notes during the meeting.I do have term life insurance for 500k, I purchased when I was 25 for 30 years. The only people left in my family is my sister. She does not need my financial help and is doing better than me financially, so I do not need to worry about caring for her.Update:I cancelled the policy and confirmed that with Guardian as well. Thank you everyone for your advice. When I emailed the FA that I wanted the policy cancel and to terminate any relationship from here on out, his response was just understood  <response>: Run far and run fast. This person is trying to sell you expensive investments that will make THEM a lot of money. Nope out of that. 