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On this week\u2019s Money Matters, Scott and Pat discuss how clients can research their financial advisor\u2019s background and why it\u2019s so important.\nScott and Pat advise a fiscally conservative retiree, with $1.4 million in savings and 8 percent in equities, about his long-term investments. A caller asks how she should invest the money in her Health Savings Account. An employee for the State of California asks how she should collect her pension. Finally, a man who \u201caccidentally retired\u201d at age 45 asks if he can live comfortably with $2.4 million in savings.\nAsk a question by clicking\xa0here, or email Scott and Pat at\xa0questions@moneymatters.com.\nDownload and rate our podcast\xa0here.