Raise your hand if you find money overwhelming, even a little. Most of us do or have at some point because none of us were taught about how to understand, use or manage our finances.
This week's guest, who happens to be one of my best friends, Andrea Thompson from Modern Cents, is going to help simplify them for us.

Melissa also has to consider the potential difficulty of owning property so far away and while she is out of the country.

Vacations are important, but they shouldn't leave clients with months of credit card debt.

Short term, Judy and Charles want to pay off a $15,000 line of credit and travel extensively 'in the early years of retirement,' Judy says.

As protection against financial market volatility, Thelma may want to discuss a 'bucketing' strategy with her adviser to ensure there are enough cash and cash equivalents to safeguard one to three years of required portfolio withdrawals, experts say.

Some clients seek a second opinion when they're looking for a broader product offering or feeling anxious about their portfolio performance, but relationship issues with advisors are an even bigger driver.