Do you need financial planning help?
Financial planning isn't one-size-fits-all. If you're not the DIY type
or if you want professional help managing some tasks and not others —
you don't have to go it alone. There are financial planning services to fit every budget.
What kind of help do you need?
Robo-advisors offer simplified, low-cost online investment management. Computer algorithms build an investment portfolio based on goals you set and your answers to questions about your risk tolerance. After that, the service monitors and regularly rebalances your investment mix to ensure you stay on track. Because it's all digital, it comes at a much lower cost than hiring a human portfolio manager. Sound right for your needs? See our top picks for best robo-advisors.
Online financial planning services offer virtual access to human advisors. A basic service would include automated investment management (like you'd get from a robo-advisor), plus the ability to consult with a team of financial advisors when you have other financial questions. More comprehensive providers basically mirror the level of service offered by traditional financial planners: You're matched with a dedicated human financial advisor who will manage your investments, create a comprehensive financial plan for you, and do regular check-ins to see if you're on track or need to adjust your financial plan. Facet Weath, Grove and Personal Capital are examples of services in this space.
If you have a complicated financial situation or need a specialist in estate planning, tax planning or insurance, a traditional financial advisor in your area may fit the bill. To avoid conflicts of interest, we recommend fee-only financial advisors who are fiduciaries (meaning they've signed an oath to act in the client's best interest). Note that some traditional financial advisors decline clients who don't have enough to invest; the definition of "enough" varies, but many advisors require $250,000 or more.
How you handle money so you have less stress and more success
Follow these 6 steps whether you create your own plan or get help


Wondering where to save or invest for your goals?
Our financial planner tool will help guide you toward the right accounts, based on your goal, time horizon and other factors.
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