 You don't need to be cynical on all aspects of financial advice. A lot of young people come up and say, well, you don't need a financial planner. Well, there's many aspects where you can do it yourself, but there's also many aspects where you cannot do as well a job for yourself. If you have a team of people around you, and it could just be one person that kind of dictates small roles on your team, it begins with an independent fee-only CFP.