as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
what exactly can a financial advisor do for me, and is it worth the money?
user
if you don't have the time or interest to manage investments, you need a financial advisor.  generally speaking, you're better served by an advisor who collects an annual fee based on a percentage of your account value. advisors who are compensated based on transactions have a vested interest to churn your account, which is often not in your best interest. you also need to be wary of advisors who peddle expensive mutual funds with sales loads (aka kick-backs to the advisor) or annuities. your advisor's compensation structure should be transparent as well.
assistant