I am the OP. I dont have a FA. I realize I need a better asset allocation and I am trying to decide how to accomplish that. Using a FA (who charges a % of the assets) is one option.
I am not the advisor, it appears from context of other posts, the OP has an allocation with a FA.
Not sure if my reply was to another poster or yourself.
If you believe you can DIY, then DIY. The value of an advisor is in getting advice about situations you may not be familiar with (as you indicated in this response)
And this was posted by me- if you do not see these situations arising, the value an advisor brings (to you) is minimal
If you intend to research every decision before you make it, then DIY. If you want immediate answers from someone which knows "everything" going on financially, you want a FA.