<prompt> Human: Im having lunch with an acquaintance who is a financial adviser with Northwestern Mutual soon. I understand that this will be, to some degree, a sales pitch for his services. What experiences have you had with financial advisers? Under what circumstances does it make sense to engage one? What would be some good questions to ask and things to watch out for to avoid being scammed?To give you a glimpse of where Im at currently: I own a condo on which I make mortgage payments, contribute to a Roth 401k, and have a small life insurance policy. Im currently single, but likely to be married in the next year or two.Thank you in advance for sharing your wisdom and experience, The Internet!EDIT: Hey, friends, just because Im getting taken to lunch doesnt mean that Im jumping in head first to buy a bunch of junk mutual funds and expensive life insurance. Part of MY due diligence in this ordeal includes asking my pals in rpersonalfinance for some sensible advice based on our cumulative knowledge. So please dont assume that Im a complete rube and that having lunch will somehow obligate me to sign over the deed to my home.  <response>: Get ready for a pitch to buy an expensive unnecessary wholeuniversal life insurance. This guy seems to be just a life insurance salesman, and not the actual financial adviser. btw, in your situation, financial adviser in unnecessary 