Spencer advises a reluctant Vernon to stay quiet when the truth behind his injury threatens his career. Trying to stave off Andre's attacks on their business, Spencer and Joe butt heads over how best to advise a client. Charles worries whether he's up for a challenge. A hard-to-impress Ricky takes a trip to tour a potential new home.

Spencer tries to mentor Travis while dodging unwelcome medical news and the ghosts of his financial past. Attempting to cheer up Vernon, Reggie and Joe buy a wild gift. Ricky encourages Charles to stand up for himself; later, he gets advice on a big career decision after running into a face from the past.