馬虎活得糊糊塗塗，糊塗做事馬馬虎虎
難得糊塗。望能幫助大家解答投資理財的問題。使大家在投資理財的過程中， 不馬馬虎虎以及不糊糊塗塗被人忽悠, 盡快實現財務自由。
Yes, I would hire a fee-based financial advisor to review my investment portfolio and provide some suggestions. This way, you are only paying one-time fee for the advice, not continuous management fee. I will use the fee-based advisor whenever I need the help on my asset allocation or any financial matters.
There are some professionals with high incomes. They literally have no time to manage their own money. They need a financial advisor to help them managing their money. Sure, that is a good reason to hire a financial advisor. Before hiring a advisor, you can use the following links to check this advisor.
https://brokercheck.finra.org/?
https://www.sec.gov/litigations/sec-action-look-up?
No, if you are interested in investment and willing to learn something, I would suggest to educate yourself first, the book to start is 'Common Sense on Mutual Funds' by John Bogle. After reading that book, you can read a couple of more listed in my post.
http://blog.wenxuecity.com/myblog/72332/201801/33373.html?
Like anything else, starting your investment by using a simple approach. You can use Vanguard or Fidelity no-load S&P500 fund, or even better, invest in Vanguard Total Stock Market fund ETF symbol VTI. There are about 4,000 stocks in the fund which reduces your risk significantly against sector-specific funds or individual stocks.
There are financial advisors who charge management fees based on the asset you have with them. Let's say an advisor who will charge 1.5% annually, paying 1.5% management fee is crazy. If you have $1M investment asset with an advisor, you will pay $15k annually? If you make 8% return on $1M, you have 6.5% ($65k) left after the fee. The question that you have to ask yourself is what services you got from this advisor is worth $15k?
In addition to the fees, there are a lot of advisors who are associated with financial and insurance companies will try to push their companies' products to you. Majority of these companies' products are designed for selling, not what you need, like annuity, or private REITs, or whole life insurance, or universal life insurance, etc.
