Is a financial adviser really needed?
Yes, unless one has the time, interest and discipline, and doesn't suffer from optimism bias.
MANY investors are not sure whether they need a financial adviser. New changes in law such as the fiduciary standard in the United States and technology such as robo-advisers have added layers of complication to the answer to the question: Do you need a financial adviser?
To know, you must evaluate your financial situation. Let's work through it together, so you have a better understanding of your circumstances and can decide what sort of financial services you need. Let's begin with the deceptively simple question: How much help do you need?
It depends on several factors:
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