<prompt> Human: Hi! Looking for a bit of advice to see if using an adviser is worth it...I had a financial adviser from Northwest Mutual reach out to me a few months ago. After working for a few years as an engineer out of college I have the basic savings and checking accounts but Ive never invested or looked to grow my money Im 26 right now. Most of my expendable income goes into my loans only about 50k left! and it also doesnt help that my company doesnt provide great options for investment or retirement either. But I decided to try a financial adviser out because I need to be more responsible with saving my money.The only issue I see is that Im not paying him by the hour. Hes taking a percentage of my money that I contribute and also a percentage of my investments. As of right now he has me signing up for a Roth IRA and Cash Value Life insurancemy parents warned me about these programs being shady but I havent gotten the terms of them yet - still in review, plus a disability insurance because my work doesnt provide a enough good compensation to protect my pay if something happened to me. Hes really easy to work with and really flexible but I cant help but feel hes working more for Northwest Mutual than my own interests. So he told me that he would take 0.75 out of my savings annually from the roth IRA and CVLI and 5.75 gets taken out of every contribution made. Im not sure if this rate is ridiculous or not. Can someone advise me if Im getting a good deal?Any advise would be appreciated! Thanks!  <response>: Call this guy up and tell him thank you for your time but Ive decided to go another direction. Then delete his and never talk to him again.You can learn this stuff on your own and will be infinitely better off for doing so. Look at the information on the right of this Reddit and it will put you in a much better place. 5.75 of contributions is blatant robbery. .75 of assets is way too much. Dont buy cash value life insurance. The IRA is probably a good idea but you can set that up yourself. 