Is a financial adviser really needed?

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: