I have greatly valued the advice of the certified financial planners (fee only) that I have used over the years.  But as with any ongoing service contract or subscription, it is useful to hit pause periodically and ask yourself: "Do I still need this service and is the value I receive commensurate with the cost?"Many people, particularly those who are not wealthy, probably do not need ongoing advice in perpetuity, but instead could switch to one-off consultations to help with major life changes or investment shifts.  In my own situation, after years of working with a planner, I reached a point where my financial house was in sufficient order that I chose this route.  Now I manage my financial life on my own, coupled with the "robo-advising" of the brokerage holding most of my accounts, advice of my accountant, and very infrequent one-time consultations with a planner for the most complex decisions.

I have greatly valued the advice of the certified financial planners (fee only) that I have used over the years.  But as with any ongoing service contract or subscription, it is useful to hit pause periodically and ask yourself: "Do I still need this service and is the value I receive commensurate with the cost?"Many people, particularly those who are not wealthy, probably do not need ongoing advice in perpetuity, but instead could switch to one-off consultations to help with major life changes or investment shifts.  In my own situation, after years of working with a planner, I reached a point where my financial house was in sufficient order that I chose this route.  Now I manage my financial life on my own, coupled with the "robo-advising" of the brokerage holding most of my accounts, advice of my accountant, and very infrequent one-time consultations with a planner for the most complex decisions.

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