<prompt> Human: My wife has come up with this idea that we need to meet with a financial advisor. I think I have an above average understanding of personal finance and was able to get her to cancel a meeting with Northwestern Mutual, but she wants to hear from someones mouth what we should be doing instead of some random internet resource. We gross about 145K and save 30-35 of our after tax between her company 401k, maxing her HSA, my Roth IRA, and our cash savings I work in the public sector and have a pension plan as well. Are we likely to hear anything other than max those out from an advisor? Am I wrong for being leery about meeting with someone? We would like to look into having wills drawn up and getting term life insurance I want to wait until kids, she wants it now, is there anything else we should be considering? Thanks for any insight you have to offer.  <response>: I would not do Northwestern Mutual, indeed. As youre in a relationship, and your SO is unsure about whether the two of you are doing things right, it wont hurt to find a fee-only financial advisor with a decent amount of educationdiplomas and a fiduciary duty to give you the advice thats in your best interest - ask about that. It costs you an hour or so and a few hundred bucks perhaps, but if thats what is needed to have you both agree that the plan is solid, I think its worth it. It may be that the adviser earns that fee back by tweaking your good plan a bit. My boyfriends tax adviser so far has made my boyfriend more money than he costs because he knew of a specific subsidy that he could apply for. 