 Hi, this is Mark Silverman. You've probably heard me on this station on my radio show, Saving with Silverman. I'm a certified financial planner professional, and if your current advisor isn't one, you should ask them why. If you're tired of these financial salespeople, you know who I'm talking about. Disguised as an advisor just selling you a complicated insurance product, you know an annuity or LERP that sounds too good to be true, which it is.