The Honest Case For — and Against — Hiring a Financial Advisor

Where advisors genuinely add value, where they don’t, and how to decide for yourself.

Financial advisors can add real, meaningful value — especially around behaviour management, planning complexity, and major life transitions. The best ones earn their fee many times over.

They can also be expensive, conflicted, variable in quality, and unnecessary for someone who is informed and disciplined enough to handle their own finances with the right structure.

The answer to “should I hire a financial advisor” is genuinely: it depends. But it depends on specific things you can actually assess — your complexity, your temperament, your stage of life, and whether the math works given what they’d charge.

You don’t need to hire one passively — because your parents had one, because someone from the bank called, because it felt like the responsible thing to do — and never actually evaluate whether the relationship is delivering value.

Whatever you decide, make it a deliberate choice.

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