<prompt> Human: I was approached in public by a financial advisor who works at a major life insurance company. I feel like he is pretty knowledgeable guy, and he wants to meet with me and review my finances. He seems honest and open to some degree.I feel somewhat uncomfortable though because I get the sense that he wants me to sell me on his companys investment products, and Im not sure if he has my best interest in mind. He seems to talk a lot about how talented he is as an investor being the top percentage nationally.I am currently maxing out both my Roth IRA and 401K and he said that I should stop maxing out my 401K because it is taxed and has higher fees than I could get by investing elsewhere. Is he right about maxing 401K being a bad idea? Should I still meet with him and listen to his pitch even though my instinct is to not trust him? I feel like it would be a better idea to get investing advice where my investments are currently.Thanks for any advice.  <response>: If you feel uncomfortable already, I would count that as a major red flag. This almost sounds like an adult version of those fresh-out-of-college, insurance pyramid schemes. Stick with what you know, or seek out multiple opinions if you decide to branch out! 