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I do work with a FA to bounce ideas off of. My stuff is generally in high yield stocks and he only gets a fee on trades which occur rarely. Some of my wife's pre-marriage retirement funds are in mutual funds he gets a bigger fee from but that is maybe 20% of our assets. I'll keep mine in dividend stocks because I continue to work and can into the future as well if the stock market gets particularly bouncy. We also have almost no debt and have real estate we can live off of and in (multifamily) if things got particularly weird or if we want to downsize to an apartment in the future.
He also knows the tax code and estate matters quite well so he is helpful when considering alternatives and discussing how things get passed along if there will be anything left. That isn't my goal though. My kids are both earning good incomes and saving.
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Jerry
1983 911 SC/Carrera Franken car, 1974 914 Bumblebee, 1970 914-4, 1999 323ti
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