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So, DH and I are happily tooling along on our ER plan, but each year our financial picture gets a little more complex (add kids, add jobs, subtract jobs but keep the old job's deferred comp plans, etc). I'm beginning to feel a little scattered, and I'm also wondering if we're making the most of the opportunities available to us for maximizing savings, minimizing risk and meeting our goals. We've got a written plan that we review and tweak at least once a year; we use index funds and are working on our diversification; we're not emotional investors, we keep learning.
What I'm wondering, specifically, is if using a CFP to help us coalesce and vet our plan would be useful. Has anyone on the board used a planner for just this purpose -- checking your plan for holes, making recommendations to get some synergy out of your accounts, and for another opinion? I'm not a fan of turning my money over to someone else to manage, but I'm wondering if we've got all the bases covered.
Experiences? Suggestions?
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"You'd be surprised at how much it costs to look this cheap." -- Dolly Parton
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