> People don't seek out financial advisers for asset allocation, they seek them out for the sage advice that they'll offer for big financial decisions they have

> People don't seek out financial advisers for asset allocation, they seek them out for the sage advice that they'll offer for big financial decisions they have in life I've been wondering lately: When is the right time or what are the right circumstances to choose to seek out a human advisor especially with regard to tax efficiency, offshore banking, etc.? I spoke to one advisor (a friend) who manages HNWIs; he suggested a net worth of $100k-250k is when it starts to make sense. I'm still curious to find a general answer.