H. Grant Perry, ChFC, (Chartered Financial Consultant ) is the founder and principal of Pinehurst Capital, Inc., based in Pinehurst, North Carolina. Grant has been cited in numerous publications for his knowledge on retirement and estate planning. For over 33 years, Grant has specialized in working with retirees and pre-retirees in developing investment, income and estate plans. In his first book, Grant covers the benefit of working with a fiduciary rather than a stockbroker. He teaches you how to ask the right questions of your financial advisor, to discover hidden fees, and lessen your risks with your investments. It's your retirement, make sure that you are getting what you need from a person you can trust. Excerpt: "So, what does an extra percent or two mean to someone who is retiring? Consider the case of one retired couple who love to take annual trips to Maine in their RV. If they are paying fees of 2-3 percent on their portfolio of a million dollars, that's $20,000 to $30,000 a year It sounds much more onerous when you convert percentages to dollars and cents, doesn't it? If an independent fiduciary advisor can cut those fees in half, it gives the investor an extra $10,000 to $15,000 in traveling money each year. Money that was just falling through the cracks before. Imagine the things they can do with that much extra money besides travel. They can plow the savings back into their investment accounts. They can help with their grandchildren's education..."