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Aired 2/11/17: The value of a\\xa0financial advisor (aka \\u201cAdvisor\\u2019s Alpha\\u201d) and a discussion of target date funds with Don Bennyhoff from Vanguard, estate planning and the difference between a will and a trust, and Joe and Big Al answer emails on Roth conversions, taxation on day-trading stocks, tax write-offs on retirement contributions, and why some great companies have low stock prices. Plus, the fellas discuss a recent\\xa0survey where millennials said they\\u2019d rather disclose a sexually transmitted disease to a potential partner than to reveal their debt.