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by throwaway2037 1522 days ago
You wrote: <<There's some value in having a real person to talk to, but it really depends on the person.>>

I agree 100%. I think it is a good idea to pay for at least one hour of financial advice per year. Do not buy any products recommended if they receive a direct or indirect commission. An outsider who studies the financial situation of others for a living will usually have helpful advice, even if limited to: "This is good." or "Have you considered...?"