You Don't Need a Financial Planner ... Unless ...
In practically all aspects of life, there are things we can do ourselves and others we can't.
If you cut your finger slightly, you grab a bandage; but if you need stitches, you find a doctor. You probably can put air in your car's tires and maybe even change your oil, but when a car keeps dying at stop signs, most people go to a mechanic.
The same holds true for handling your finances. It might seem odd for a financial professional to tell you this, but under some circumstances, you really can go it alone and probably turn out fine. In other instances, the do-it-yourself approach could be a mistake.
The trick is figuring out which is which.
When you're young -- in your 20s, 30s or 40s -- you may not need help. If you're contributing to your 401(k) at work and/or
