 Your investment philosophy is what's going to determine how you're comfortable when it comes to diversifying. Because diversifying is really just how are you organizing your money over the three worlds, whether it's in the banking world, in the market, or in the insurance world. Your investment philosophy is going to dictate where you're most comfortable. So you want to make sure that the advisor that you're speaking with has that same philosophy so they can mirror your comfort and make sure that you are happy with the decisions that you're making.