well , since over 90 % of people in the united states have been retiring in poverty for well over 25 years now and since approximately sixty percent or so receive advice at some point in their lives from one specifically hired by a company to be a so-called financial expert , with about another thirty-five percent who never consult an expert and the remaining five percent who hire the best , its these same sixty percent or so that are often the same people who hire your average broker to give them advice .