At one point, or dollar amount, is it worth having a stock broker work on your behalf?

Newish to investing and should have $100k in investments in 4-5 years. I don’t know the ins and outs of stocks, just the basics really, but my mentality is just buy and hold for long term. Just have the big ones like VOO, QQQM, SCHD and a few others. VTSAX in my matched 401k. I also refuse to do options.

At what point should I think about having a stock broker? I’m young and the general mentality is to have growth stocks/ETFs, then slowly go to dividend paying ones as you inch closer to retirement. Eventually I’d like to live off dividends.

To maximize gains, I feel I need to leave it to the experts at a certain point.