<prompt> Human: This question may have been asked here before.I am thinking of going to Edward Jones for investment and retirement planning, is it a good idea? To be true I do not have enough time nor will to do financial planning and think they may help, what is your opinion?  <response>: Edward Jones is going to sell you investment options that carry sales commissions and have very high ongoing ownership expenses.You should make time for financial planning and learning about investments. Not learning and owning high-expense funds getting an adviser can cost you hundreds of thousands of dollars in lost portfolio value over your investment lifetime. You dont need professional advice or an advanced degree for this. Read the long-term investing start-up kit link in the sidebar, this is something you can get a solid understanding of in a weekend or two. 