<prompt> Human: I have really been wanting to get into investing lately, I was about to finish my Vanguard application just days before the market turned. However tonight my dad really motioned for me to get a financial planner, more specifically UBS.Is a financial planner necessary and worth the extra cost? I enjoy finance took two classes but majored in Chemical Engineering but do not want to monitor my accounts like a hawk. If something went wrong I probably wouldnt know. Is it advised for a new investor to use a planner or Vanguard?I have over 25,000 I would like to invest now, and will start investing more when I work full time in June. I have no debt and will not buy a house for at least 3 years.  <response>: The low fees with Vanguard are the way to go I think. That 1 per year difference will really add up. It sounds like you are young and have some years to go before retiring. Check out the SECs breakdown of the impact of fees:And that only reflects 20 years. Keep in mind a CFP will probably take more than 1 after fund fees. AND many of vanguards funds have fees under 0.25 0.05 on some of their index funds. 