IP, I think using a financial advisor makes sense if it makes sense to you. I'm not suggesting that only stupid people use financial advisors. I'm suggesting that virtually anyone can do as well or better over time by themselves as 99% of people do with advisors. If having a financial advisor helps you sleep at night and feel more secure, then by all means do so. Different strokes for different folks, but I think there should be truly full disclosure by the financial folks, who seem to specialize in hiding the truth when it comes to performance and fees, and the effect on long-term returns. Just saying.