<prompt> Human: Background: Im getting married next year, fiance and I make 130k combined. Im 28 and he is 34, no kids now but probably within the next 5 years. Assets:Retirement: 120kSavings Account house down payment: 60k goal is 100kEmergency fund savings account: 10kMisc savings vacationwedding funds: 5kI feel like Im pretty financially savvy, but my mom is suggesting we meet with a financial adviser. At this point Im not sure how worthwhile it would be until we have kids or something. Are financial advisers worthwhile? What kinds of things should I look out for?  <response>: Nothing about your situation warrants a financial advisor. 