Posts  / #POST-211068
REDDIT

For someone with decent income that has little drive to keep up with investing, is hiring a financial advisor truly worth the percentage cut?

R
Sep 27, 2025 · 17:48

If this has been asked a million times before, mods feel free to remove.

My yearly income right now is about $120k, living single with no kids or debts. I have a pension and still contribute 15% to a 401k. I still feel like I could be doing more, but I don’t honestly have the brain bandwidth or drive to go chasing after buying and trading stocks. I’ve never wanted to care.

Is hiring an advisor worth it in this scenario, or is the percentage in earnings they typically pull on average make it a lukewarm to negligible deal?