回複：Partly agree

After all hard work to cumulate $1mil, now we should start thinking about passionately做你自己最愛做的事情. Sometimes it is to having fun investing the $$ to get higher return; then you can be your own wealth manager; for most of people it is to spend $$ to meet other goals (why be a slave of your own money?) then you need wealth managers so you can focus on other important things in life. Most of time a successful wealth manager should meet their clients' goals. Those only care about commission can't survive in long term.