I think there's a time to pay for advice and a time not to.
Long range investment plans can generally be hashed out for the average investor by themselves.
A time you may need professional advice is when you fall into a big windfall, like you have 30K sitting around at the end of the year. At that juncture, it can be money wellspent to have an accountant advise you. A CPA with the extra CFP designation can be the best IMO.
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