If you’ve ever experienced financial trouble, you know how quickly it can affect your mental health. The stress that accompanies organizing bills, paying unexpected costs, and saving for the future can be debilitating — and it’s often chronic. One study found that 26% of Americans are stressed about financial challenges most or all of the time; another survey by PWC found that money concerns are the top stressor of employed adults in the U.S.

After a bumpy road for the new retirement bill in Congress, the SECURE Act came into effect on Jan. 1. Also known as the Setting Every Community Up for Retirement Enhancement Act, the law is one of the most comprehensive pieces of legislation to reform retirement savings.

Finding someone you can trust to give you sound financial advice is not easy. That’s probably why 75% of Americans manage their own finances. Whether they could benefit from professional advice is not the point, though. More often, people avoid advisors because of issues related to financial transparency.