<prompt> Human: I have come upon the opportunity to put my investments with a financial advisor. They would group my assets with my familys assets so I would benefit from a lower rate. Currently my familys fee rate starts at 1.My wife and I are both 25. We just became debt free last week. We have a full 6 months emergency fund and we are about to put our first 11k 5500 each into our first Roths. So we are literally at the beginning of our investingsavings career. Would it do more harm than good to put my finances with a financial advisor this early? If not, are there any drawbacks besides the one percent to a financial advisor or is it all sunshine and rainbows? If it is too early, what savings number is ideal to bring on a financial advisor?Assistant: What is the advisor going to do for the 1 of your money plus any other commissions that you give him? What sort of advice will he provide, what investments will he put you in?Generally, if all you want to do is invest money, there is no need for any sort of physical adviser. Investing is easy and automatable. Come up with goals, come up with a plan and asset allocation sand savings rate for each of those goals. Automatically move cash to your investments or savings accounts to meet those goals.Human: They will provide asset management and financial planning services. Is investing as easy as you are making it sound? I know absolutely nothing about it. Since I work freelance, I currently dont have access to an employer match 401k or anything like that. And probably never will. So i think I may need more finessing than just putting money away in accounts and waiting.  <response>: So i think I may need more finessing than just putting money away in accounts and waiting.Thats all investing is. 