Holiday shopping ramps up and the smart shopper looks for the best deal - while many online retailers like Amazon and Target compete for incentives like free shipping, others like Walmart are not. When it comes to "shopping" for a new advisor, Alan walks you thru what to look for and what (if any) incentives should come with that new relationship.The holiday season also means the year is coming to an end. Do you have your Year End Planning set?Are your beneficiary designations current?How are your asset allocations?When was your estate plan updated - was there a birth or death in your family this year? Or a marriage or divorce? Did you move to a new state?