The 401k funds are effectively an automated advisor. It’s tough to draw the line in a conversation like this because I completely agree with everything you sai

The 401k funds are effectively an automated advisor. It’s tough to draw the line in a conversation like this because I completely agree with everything you said. An advisor only comes in at the point that a person is investing their money directly and consistently. Your average person doesn’t have the market knowledge or the time to learn it so an advisor is likely the best bet for the average person in that scenario. Anyone willing to do some research and learn will likely find their own comfort zone without an advisor.