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I tend to agree. There's some value in having a real person to talk to, but it really depends on the person. PC people are generally just going to walking you

I tend to agree. There's some value in having a real person to talk to, but it really depends on the person. PC people are generally just going to walking you through whatever the algorithm is implementing anyway, and... I just didn't see enough value in it. That said, I've lost plenty trying 'my own thing' on single stocks, but ... I pretty much knew it was a gamble. Majority of value is in a handful of basic ETFs and mutual funds with low expense ratios (< .10% overall, IIRC), so... there's not too much advantage in having someone else do the same thing for me (or really, for most people, imo).

throwaway2037 5y ago
You wrote: <<There's some value in having a real person to talk to, but it really depends on the person.>> I agree 100%. I think it is a good idea to pay for at least one hour of financial advice per year. Do not buy any products recommended if they receive a direct or indirect commission. An outsider who studies the financial situation of others for a living will usually have helpful advice, even if limited to: "This is good." or "Have you considered...?"