What if I say no?

The fair worry

When someone gives you their time, turning them down can feel rude. That can make a free meeting feel like a debt.

The answer

I want that clear before you join: you don't owe anyone a purchase. You never pay Retire Handbook, even if you stop after the consultation. Your retirement advisor pays us to set up the meeting. Our fee stays the same whether you buy or don't.

So you can hear an answer without promising a next step. You and your advisor can agree to get more information or talk again. You can also say, "No thanks," and leave it there.