Here's exactly how to tell if you need a financial advisor, a robot, or nobody at all

{1} Personal Finance Insider撰写有关产品，策略和提示的文章，以帮助您用钱做出明智的决策。我们可能会收到合作伙伴的小额佣金，但我们的报告和建议始终是独立和客观的。一些财务决策需要加强;其他人，你可以自己处理 - 至少现在。你应该考虑聘请财务顾问，如果你需要具体的建议，或者你太过不知所措或者被你的钱困惑，无法计划退休或投资股市。你可以如果您想知道在哪里省钱或投资几千美元，可能不需要财务顾问。如果您决定寻求专业建议，请确保您雇用仅收费的理财规划师或投资顾问 - 他们充当受托人这需要他们把客户的利益放在第一位。像Wealthfront，Betterment和Ellevest这样的顾问提供了更便宜的投资建议和管理方案。访问Business Insider的主页以获取更多故事。无论多少钱，都可能是复杂和令人生畏的或者你有多少。如果你考虑寻求专业的经济帮助，但不知道从哪里开始，首先确定你想要完成的是什么。你想开始投资还是投入更多资金？你想知道你需要节省多少才能在65岁时退休吗？你需要建议偿还债务吗？你想知道你需要多少人寿保险吗？事实是，一些财务决策要求加强;其他人，你可以自己处理 - 至少目前是这样。财务顾问是一个包罗万象的术语，通常包括理财规划师和投资顾问。寻找遵守信托规则的财务顾问是必要的，这意味着他们以客户的最佳利益运营，并且只收取费用。这意味着客户费用是他们唯一的补偿，当您投资某些基金或购买金融产品时，他们不会赚取佣金。一个好的认证财务规划师可以p整理您的整体财务状况，包括制定退休储蓄和投资策略;计划大笔开支，比如买房子或有孩子;日常预算和支出;除了税务和遗产规划。考虑一位财务顾问？SmartAsset的免费工具可以帮助您找到您附近的持牌专业人士»如果您太过不知所措或被您的资金困惑而做出重大财务决策，您也可以考虑聘请理财规划师，包括如何平衡多个财务目标，管理业务，摆脱压力，或制定退休储蓄计划。如果与财务规划师会面的替代方案是决策瘫痪，那么您最好寻求外部建议。投资顾问通常关注您的投资策略的细微差别，例如您在退休账户中进出的股票或资金以及如何减税。他们也可以管理您的投资，但通常会收取0.5％到2％的投资组合费用。您不必是一个拥有数百万投资顾问的成熟投资者，但您可能不需要一个，如果你只是想知道如何投资几千美元或在你的退休账户中选择哪些资金。机器人顾问往往是一个更便宜的选择，有些甚至提供额外收费的人力投资顾问或理财规划师。像Wealthfront，Betterment和Ellevest这样的投资顾问根据您的目标和风险承受能力为您设置并自动重新平衡投资组合，年度管理费仅为您帐户余额的0.25％。机器人顾问可以成为具有长期前景的普通人真正想要“设置并忘记”他们的投资的宝贵工具.SmartAsset的免费工具可以帮助您找到您附近的持牌财务顾问» {1 }{0}{1}

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, but our reporting and recommendations are always independent and objective.Some financial decisions call for reinforcement; others, you can probably handle on your own — at least for now.You should consider hiring a financial advisor if you need specific advice or you're too overwhelmed or confused by your money to plan for retirement or invest in the stock market.You probably don't need a financial advisor if you want to know where to save money or invest a few thousand dollars.If you decide to seek professional advice, make sure you hire a fee-only financial planner or investment advisor — they act as fiduciaries, which requires them to put their client's interests first.Robo-advisors like Wealthfront, Betterment, and Ellevest offer a cheaper alternative for investing advice and management.Visit Business Insider's homepage for more stories.Money can be complex and intimidating, no matter how much or how little you have.If you've considered seeking professional financial help but don't know where to start, first identify exactly what it is you want to accomplish. Do you want to start investing or invest more money？ Do you want to know how much you need to save to retire at 65？ Do you need advice for paying off debt？ Are you wondering how much life insurance you need？The truth is that some financial decisions call for reinforcement; others, you can probably handle on your own — at least for now.Financial advisor is a catch-all term that usually includes financial planners and investment advisors. It's imperative to look for financial advisors who follow the fiduciary rule, meaning they operate in their clients' best interest, and are fee-only. This means client fees are their only compensation and they don't earn commission when you invest in certain funds or buy financial products.A good certified financial planner can help organize your overall financial picture, including setting up a retirement saving and investing strategy; planning for big expenses, like buying a house or having kids; everyday budgeting and spending; plus tax and estate planning.Considering a financial advisor？ SmartAsset's free tool can help you find a licensed professional near you »You may also consider hiring a financial planner if you're too overwhelmed or confused by your money to make big financial decisions, including how to balance multiple financial goals, manage a business, get out of crushing debt, or establish a retirement savings plan. If the alternative to meeting with a financial planner is decision paralysis, you're better off seeking outside advice.Investment advisors typically focus on the nuances of your investment strategy, such as what stocks or funds to buy in and out of your retirement accounts and how to minimize taxes. They can also manage your investments, but usually charge a fee of 0.5% to 2% of the portfolio.You don't have to be a sophisticated investor with millions in the market to have an investment advisor, but you probably don't need one if you just want to know how to invest a few thousand dollars or which funds to choose in your retirement accounts.A robo-advisor is often a cheaper alternative, and some even provide access to human investment advisors or financial planners for an extra fee.Robo-advisors like Wealthfront, Betterment, and Ellevest set up and automatically rebalance an investment portfolio for you based on your goals and risk tolerance, and the annual management fee is just 0.25% of your account balance. Robo-advisors can be a valuable tool for the average person with a long-term outlook who truly wants to “set and forget” their investments.SmartAsset's free tool can help you find a licensed financial advisor near you »

{1}

{0}