 TITLE: What Are Penny Stocks and Are They Safe? CONTENT: Consider Financial Planning Help\n--------------------------------\nInvesting in stocks and other securities can be an exciting prospect, but doing the research and developing the right strategy can take months or even years. What's more, it can be time-consuming to manage those accounts, whether that means timing your purchases or knowing when to sell.\nThe best way for you to invest can depend on many factors, including your age, income, investment knowledge, capacity to invest, risk tolerance and more. If you need help, consider working with a financial advisor. An advisor can help you by learning about your situation and goals and providing advice on how to achieve them. The financial planning process is often comprehensive, including your entire financial plan, not just the investment portion.\nMany financial advisors can also do some or all of the work of investing your money on your behalf. That said, these advisors can be expensive.\nAnother option is to consider opening an account with a robo-advisor. Robo-advisors are investment management companies that use algorithms to create and manage your portfolio. There's very little human interaction involved, though some robo-advisors have a team of advisors you can speak with.\nRobo-advisors are typically much cheaper than hiring a financial advisor. But if you prefer a more personalized service based on your overall financial plan, you likely won't get what you need from one. They also give you little control over what's in your portfolio, which can be challenging for some. END