dbr wrote:I'm surprised so many people place the cut point at whether or not the advice is free or $250. If the advice is worthwhile free, then for something as important as this $250 is as good as nothing. If the advice is not worth $250, then it is certainly not worth nothing.
Maybe my previous post on this came off too negative. For someone coming in from the cold, I think a Vanguard CFP's advice is worth paying for. For someone asking about it here, maybe not so much, as they have already found a place full of good advice. It depends on how complicated one's situation is.
I also agree (and now see that I didn't post this here, but in another thread) that going ONLY by advice given here is not enough. One needs to educate one's self in order to recognize good vs not-so-good advice. But even a CFP, although useful for that, is not enough. Passive investing should NOT mean "just do what you're told!"
May neither drought nor rain nor blizzard | disturb the joy juice in your gizzard. | And may you camp where wind won't hit you, | Where snakes won't bite and bears won't git you. | -- Squire Omar Baker