I probably shouldn't be saying this and all... but my friend that got me into Steemit... She calls Financial Advisors the Financial Liars. She told me that if a person doesn't have a networth in the millions, they are just getting prepackaged, 5 sizes(or one size) fits all, "buy our mutual fund/ invest in our 401K" advice. And it won't make you ready for economic downturns. And since they are blind believers in the Market, they won't see it coming or admit to pulling out of the market before a big hit happens.
So... I am happy to hear you are trying to get out and go into automotive. XD