Larry Kloefkorn is joined by financial advisor Danny Goolsby as well as Jonathon McCoy from Market Advisory Group Kansas City where they talk about what an unhealthy relationship with your financial advisor might look like before tackling the wild swings in the market. Larry is then joined by Bill Vawter of Market Medicare Advisors where they continue to talk about Medicare's Open Enrollment that ends on December 7th. Next, Larry is joined by Gerald Eidelman with Eidelman Law Firm to answer the question, does everyone need a trust? Lastly, Larry and lead CPA Joshua Cicora discuss tax costs vs market costs when deciding to make changes to your 401k.