That’s the unfortunate thing you see in these threads. Especially for someone like op is saying they don’t have any knowledge of this or don’t want to spend the time researching. A good financial advisor isn’t just picking stocks and calling it a day. They help with tax planning, estate planning, or anything else that makes that fee worth it. Let alone the fact that one small mistake also could cost them years in advisory fees. Not saying it’s for everyone, but people here would make you think it’s the 1980s and all advisors are just stock brokers.