Is it worth having a financial advisor?
It depends. I have run into people who will save costs no matter what. They research how to fix an engine rather than take their car to a mechanic, remodel their own home rather than hire a professional contractor, etc. These folks are typically your DIYs. My opinion is Yes (of course), it is worth having a financial advisor! Especially an advisor who has a fiduciary responsibility to you, extremely knowledgeable about the accumulation AND distribution stage of assets, and demonstrate a high level of strategic thinking in all facets of financial planning. When you combine all the above, a financial advisor can be a tremendous asset and the cost is inconsequential given the benefits!