If you do want financial advice as an hourly service, it exists. In the US, look at the National Association of Personal Financial Advisors: https://www.napfa.o

If you do want financial advice as an hourly service, it exists. In the US, look at the National Association of Personal Financial Advisors: https://www.napfa.org/ https://www.napfa.org/. Many provide hourly consulting, just like you'd pay an attorney or accountant. By far the biggest risk of doing this is not having a constant presence during bear markets to coach you to stay the course. If you're actually comfortable enough in the amount of risk you've taken, this is less of an issue. The best doc I found on where or how wealth managers can add value was written for wealth managers (by Vanguard, which provides custodial services): http://www.vanguard.com/pdf/ISGQVAA.pdf http://www.vanguard.com/pdf/ISGQVAA.pdf Page 4 has the table. The biggest benefit - in their analysis, up to 1.5% of possible value added - is coaching. Deciding what's right for you depends on understanding what parts of planning and executing you're actually comfortable taking primary responsibility for.