How Much Life Insurance Do I Need According To Clark Howard? 
Should n't you be asking Clark on this one ? ;-RRB- While I have heard the name and understand this particular financial guru is n't bad , as an agent with 25 years experience why would I follow anybody ? I would be more afraid of working with someone who does not use their own mind or ca n't form their own opinions , even if they are similar to this year 's guru . You want an agent who understands and more importantly can explain to you what they recommend and why . While I could call myself a financial advisor , I still choose agent . Maybe it was when I visited my bank to make a deposit and the bank teller 's name tag had `` financial advisor '' on it that I stopped worrying too much about titles . 