Steve is a successful software engineer and makes good money. He knows he hasn’t always made wise investment decisions so started working with a financial adviser from a big firm a few years ago. The problem is that his current adviser seems unwilling to answer his questions or give him advice outside of talking about his current investments. He never receives any useful guidance on taxes or how to handle his stock options. When he asks, his adviser just changes the subject. Steve really wants someone who will guide him through all the aspects of his financial life including maximizing his stock options, RSUs, and employee benefits, managing his 401(k) and IRA, reducing taxes, estate planning and saving for future needs. He wants someone who knows the whole financial landscape, not just one product that is supposed to work for everyone. And, it bothers Steve that he doesn’t know exactly how much the service is costing. He’s really concerned he’s being charged hidden fees and commissions, but it feels awkward to bring the subject up.