What does the FIRE community think about financial advisers ? My friend whet to see one about getting their finances in order , come up with an investment plan , and work through some life insurance options for their family . He says that he doesn ' t have any time to deal with these things , but I just don ' t see the value added of a financial adviser . I just follow some basics in terms of debt prioritization , max out those retirement accounts , and invest in indexes . What do you all think about financial advisers ? Are they worthwhile for those in a typical middle class lifestyle ? Edit English sentences <| sep |> After the monster week you gotta stick with Kelley <| sep |> Right on . Wasn ' t too sure if I should do these . Glad to hear they ' re spreading some joy .