When I was in my early thirties, in the first job I had after grad school with a 401K and an employer match, I met with a financial advisor whom a friend recommended for a "free consultation"--aka sales pitch. I was maxing out my 401K contributions, past the employer match, and she told me that wasn't necessary; that "we" could work on taking some of that money & putting it mutual funds instead (funds that she got a commission from, although she didn't mention that). She didn't offer a rationale for this. I said thanks and never spoke to her again!