I am an older gay man, and I am aging alone and worried about making sure I am taken care of. Can you give me financial advice about what I should be doing now? I am behind in saving for retirement, and I know I need to invest, but I don’t want to take a lot of risk either. Do you have any investment suggestions? How do I choose a financial advisor? How do I do background checking to make sure they are LGBTQ friendly and to make sure there aren’t any issues I should be aware of?