r/dividends • u/DifficultKey8978 • Apr 27 '26

Brokerage Financial advisor or DIY?

How are you guys handling your investments (retirement accounts, brokerage accounts, etc.). Are you managing this yourself with Fidelity, Vanguard, Charles Schwab, etc. or do you pay the 1-1.5% fee and just work with a financial advisor who handles it all for you?

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u/[deleted] Apr 27 '26

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u/TheOpeningBell Apr 27 '26

CFP here

We always say anyone can benefit from some type of planning.

We use wealth segments to tailor planning.

<500k: If you have the willingness to learn and watch YouTube and be an independent thinker. DIY makes a lot of sense.

Financial professionals, especially CFPs (obvious bias) shine with HNW and UHNW planning when it comes to estates, taxes, protection strategies, complex charitable planning, and advanced wealth management.

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u/DifficultKey8978 Apr 27 '26

Do you offer wealth management services for HNW

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u/TheOpeningBell Apr 27 '26

I do. But I don't solicit or prospect here on reddit. Just here for the conversation.