No, you make that decision. It's not given to you. You could be out -$4500 after a consultant has told you that they cannot save you the money. They're not robo

No, you make that decision. It's not given to you. You could be out -$4500 after a consultant has told you that they cannot save you the money. They're not robots. But likely most consultants are there because they can save you money, well.