<prompt> Human: I finally reached a fairly large milestone in my financial life where I have quite a bit of cash to invest and manage and I think I should get a financial planner... Truthfully, I am very risk adverse and it kills me to pay someone to manage my money. Im also unsure how to identify someone credible or if I should just work through my largest banking institution.Thoughts?  <response>: Financial planners are kind of like a personal trainer. You can exercise on your own if you have the right motivation and do your homework on what you should or shouldnt be doing. If you need someone to help keep you accountable andor you dont want to figure out what you need to do everyday at the gym, a personal trainer comes in handy. 