What a Second-Opinion Financial Plan Revealed About My Advisor

Lucas shares his personal experience of getting a second-opinion financial plan from a fee-only fiduciary, which uncovered a $47,000 gap in projected retirement income that his long-time advisor had missed. The episode walks through what the second opinion found—a suboptimal Roth conversion strategy, an overlooked sequence-of-returns risk in the drawdown plan, and a whole-life insurance policy that was eating returns. Luna pushes back on whether second opinions are worth the hassle. They discuss the three specific things the second-opinion planner did differently, the average cost of a flat-fee plan ($1,500 to $3,000), and why even good advisors have blind spots. No drama, just a practical framework for when and how to get a second opinion on your own financial plan. #SecondOpinion #FinancialPlan #FeeOnlyPlanner #FiduciaryStandard #RetirementIncomeGap #RothConversion #SequenceOfReturns #WholeLifeInsurance #FlatFeeAdvice #FinancialAdvisorBlindSpots #LucasPersonalStory #RetirementPlanning #DrawdownStrategy #Finance #Investing #FexingoBusiness #BusinessPodcast #TheFinancialAdvisorPodcast Keep every episode free: buymeacoffee.com/fexingo