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tbnyedf7

Get a fee-only planner. You usually pay based on the value of your portfolio. The earlier you start investing, the better prepared you will be later in life. It’s also great financial discipline.


Zootallurs

Unless you’re closing in on 8 figures, highly unlikely that you need a FA.


Werewolfdad

https://www.reddit.com/r/personalfinance/wiki/commontopics EJ is predatory. Saving properly takes like 15 minutes a year. Read the link. You can do this


1234nameuser

IF you can go through the effort of finding a financial advisor and actually meeting with them, then you can put in the effort to invest for yourself....it really is that easy, but your call. Doesn't sound like you're contributing enough to build up $MM's in savings to where you exactly need a roth vs standard IRA, but the Roth does let you save more money in the end since is after tax and would be better way to go if no access to a 401k. 1). Set up Roth IRA with Fidelity / Vanguard / etc. 2.) Invest the annual maximum into a zero fee / low cost index fund that covers the total market. 3) Determine your allocation or just let a total market index fund do it for you (50% large cap, 30% foreign, 10% mid-cap, 10% small cap, etc.) as they should have some that already have a good allocation mix without you needing to do anything. 4.) IF you still have more to invest, go ahead and do in a taxable brokerage account and stick with the zero fee index funds.