15. Do You Need a Financial Adviser?

Want to escape from all of this, turn your money over to an expert, and be done with it?

Go for it, if you really think you need help. But before you do, I have some bad news for you. Finding a reliable financial planner who will be right for you could be harder than following the investing steps I have laid out for you in this book.

Some financial advisers are superb, but a lot of them are not. If you blindly turn over your money to those who are ill trained or unscrupulous, it could cost you dearly.

Over the years, I have seen the remnants of awful advice. As a columnist, I get calls from people when they aren’t sure who else to consult. I have had widows call crying because the brokers their husbands turned ...

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