Who is at the center of your retirement income plan? Do you decide randomly how to build your retirement, or do you choose the best options after careful thought and research?
Most people would say they are thoughtful and decisive, but the facts often prove otherwise.
In reality, among the several advisors we need — for money management, tax, insurance, real estate and more — the one we are most friendly with rightly or wrongly influences our decision-making.
There are plenty of reasons to choose one advisor over the others. One may simply strike you as more experienced. 
Or perhaps your kids attend the same school. Maybe you just click better with them.
It’s good to have friends, but that’s not the best way to plan for the rest of your life.