Don't be afraid to make them explain things and definitely shop around. It's money, not magic, so you should be able to understand what you're getting into bef

Don't be afraid to make them explain things and definitely shop around. It's money, not magic, so you should be able to understand what you're getting into before you sign. Also, talking to your accountant (assuming you have one) might be a good first step in at least getting recommendations about who to talk to.