<prompt> Human: Im 33 with some decent savings and retirement money saved up, and for the last 2 years my Roth has been sitting in a CD because my old financial advisor quit and I wasnt comfortable with his replacement so I just parked my money there til I could decide what to do. So now Ive been meeting with my friends buddy at NW mutual and hes been trying to get me to buy all kinds of insurance and invest in annuities or a brokerage firm. All of it sounds really expensive to me and after doing some research on here Ive found that I can do a lot of it myself with Vanguard and Im just looking for some basic advice on what to do. I have about 28k in a ROTH and 7.5K in a traditional IRA that I want to move over into my ROTH if possible. Im just worried that if I use NW mutual Im gonna spend a ton on their services, but I also dont want to do it myself and mess up and lose all my money. I know thats a lot to cover but if anyone has some advice I would greatly appreciate it. Thanks!  <response>: You only have 30k. That is not an amount that warrants a financial advisor. Also, this particular person is just trying to take advantage of you based on your description. 