In this extra-packed Friday Q&A episode, Don powers through a barrage of listener questions while recovering from an attempted heart ablation (yep, he's okay—but not fixed). He dives into everything from sketchy SIMPLE IRA fees and Roth rollover rules, to when it actually makes sense to take Social Security. You’ll also hear a checklist of questions to grill a potential financial advisor with, a primer on small-cap value stocks, and a lightning-round suggestion for international bond exposure. And yes, he dishes on why many advisors don’t actually want you to read those pesky prospectuses.

0:04  Don's in his VO booth—surgery didn’t go as planned
1:38  SIMPLE IRA fees: 5% commissions and better alternatives
3:53  Roth IRA strategy: match in SIMPLE, max out Roth with AVGE
8:35  Why that Raymond James advisor doesn’t want change
9:43  Social Security breakeven isn’t one-size-fits-all
11:35  Roth IRA transfer to Robinhood: does 5-year clock reset?
13:04  What to ask when hiring a financial advisor
16:06  Small-cap value vs. other stocks explained
18:59  Comment: Prospectuses scare advisors (and why)
21:42  Best international bond index fund? Try BNDX

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