[RWebb]

both Fidelity & Vanguard offer 'robo-advisors' - they are more generic than a human (but you may need to watch out for humans...)

with a human planner or advisor, be sure to watch out for them selling high fee funds - I tried out a free session with one and got some pamphlets for their funds - flipped to the back and looked at the expenses - 7% for a bond fund; the woman flipped out and sputtered when I mentioned it to her and that I had immediately recycled her brochures

I've seen other people actually use financial advisors and it seems to be mostly hand-holding

so, I look at it like the WAF in stereo systems or sports cars - how much would you pay to have an advisor do some hand-holding with a wife?

.. assuming you don't take DonDavis's advice, above