OldShooter
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Understandable. You have voluntarily jumped into the deep end of the pool by consulting this crowd. The resulting acronym storm plus a bunch of posts that sometimes contradict each other can certainly lead to near-drowning.This all is very confusing. Should I get financial advisor? ...
Please, stop with this temporarily and read the first of the three books I recommended in post #12: "The Coffee House Investor" by Bill Schultheis https://www.coffeehouseinvestor.com/ It's a very easy read. Bill will calm you down and show you that this isn't as hard as you think it is. He will even give you a recipe for pumpkin pie!
After reading that book, you may have all you need. Certainly you will be closer to answering your own question about hiring an advisor. You will also be much better equipped to read and understand the comments you have received here.
The strong bias in this group, too strong in my opinion, is very negative towards financial advisors, especially those who charge a percentage of your assets. That kind of advisor, paid based on "assets under management" (AUM) is almost certainly not an option for you because you do not have enough assets to interest them. You might find a by-the-hour advisor to be helpful, but I suggest that you hold off until you've read and understood Bill's advice. (Incidentally, Bill is a principal in an advisory firm.)
The majority of this group, especially those who post to a thread like this one, are people who run their own money. It is really not that hard; the industry likes to confuse and intimidate retail investors because confusion and fear leads to big fees. So ... after reading Bill's book I'd suggest reading the second book I mentioned.
After reading those two books you will be well-equipped to answer your own questions and, again, to re-read this thread and get more out of it.
Relax, take a deep breath, and disengage here for a while. Good luck!
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