In this June 15, 2018, file photo, cash is fanned out from a wallet in North Andover, Mass. Using a financial adviser for your investment needs is 100% on brand, but what about all the other parts of your retirement life? A third of people ages 64 and up have a financial adviser, but only 2% asked their adviser to help with their Medicare choices, according to a July 2022 report. (AP Photo/Elise Amendola, File)