<prompt> Human: In January of 2015 I invested the max 5500 into a Roth Ira for 2014 and started a 458 a month direct deposit to be taken out each month. I hired a financial advisor to do this and pay a front load fee of 5.75. For those of you who invest in Roth Iras, I wanted to ask why you use or dont use an advisor for this?Do I even need an advisor for this? What exactly am I paying 5.75 for?A little background on me. I dont follow the market. I obviously know when the big stuff happens, like whats occurring in China at the moment, but I save mainly because its what is suggested. However I dont like parting with 5.75 so if I can not do that and still invest wisely, Im all ears. Thanks!  <response>: I hired a financial advisor to do this and pay a front load fee of 5.75.Fire him immediately. I wanted to ask why you use or dont use an advisor for this?Managing money is not difficult, especially just a few thousand dollars.What exactly am I paying 5.75 for?Making him rich.Read up on making a lazy portfolio 