 at play here is a lot more advantages to having a financial advisor of course they can help you determine what investments to make they can help reduce your income tax liability they can analyze your cash flow and help you make those decisions planning purchases of and life insurance real estate other types of insurance saving for kids college maximizing retirement income estate planning legacy planning all of that is part of it and so i don't look at binary of well there's gonna help me choose a fund if that's all you're doing