<prompt> Human: Hi all, 26 yr old here. Im just curious, I could contribute right now to my 2017 Roth and break the 50k mark. Ive heard that at that point you get access to an advisor. Anyone have experience with this? Is it worth it? How does it work?  <response>: Ive worked with several advisors from reputable companies, some provided at no cost, some I paid for. None of them provided me any advice or delivered any results that were better than what Ive been able to do on my own, and consider that I do not have any specific financial degrees or certifications.That doesnt mean they cant help someone else, but they will charge 0.3 of your assets. 