<prompt> Human: Hello, everyone. First time posting in this sub. I am 28 and just graduated from law school. In 3 weeks I will be starting a job paying 160K gross. I am wondering if I should hire a financial advisor to help me manage this money. First of all, I want to be clear this financial advisor is going to be a fiduciary, not a broker selling products of the same or another company. I have met with this young lady and she seems very competent and has some good ideas about budgeting and preparing for my retirement. There is a 5 sales charge each time I contribute to the products she will be setting up for me which, if I do decide to work with her, will probably be monthly. I have personal investing experience of my own: I opened a Roth IRA 6 years ago with Vanguard, I have held CDs various times in my life, I have dabbled in straight stocks with Sharebuilder risky, I know, but I wanted to test the waters and gain experience, and I have a decent chunk of money in peer-to-peer lending with Lending Club. My only hangup is that Im wondering what she will be able to offer; that is, what am I paying 5 for? If I invest on my own it seems I will only be paying the fees of the funds and other instruments, and I have enough knowledge on how to select low-fee funds. If I invest with her, even 1000mo., over the course of the year Ill be paying 600--but for what? The 5 seems small, but thats 600 less that will be subject to the glories of compound interest and the hopefully upward motion of the market. Does anyone either have any advice on my own financial situation? Should I hire an advisor? Does anyone here employ a financial advisor, and what benefit does he or she provide you?TL;DR - For a person with above-average investment savvy, is it worth it to hire a financial advisor?  <response>: You dont need a financial advisor. Your situation is simple and with a few hours of reading you will be able to manage your money perfectly fine. 