When you employ a financial planner, you hire someone with a lot of experience, who knows how to help you diversify your money and keep you safe.
At present, when you hire your financial planner more likely to hire someone who is just a trigger who tries to catch your assets for a larger company. You can get an online financial planner through the internet.
Then they only see your financial situation, and how much money you have, how much risk you want tolerance, and put you into the decision-making matrix.
There's a good chance they don't even know what they're doing, but they're relying on the company they are repping for. Now then, one could ask if they've earned their commission for truly assisting you keep your money safe.
If they are just taking your money and putting it into some sort of a diversification program on their computer using the proprietary software of their company then why can't you just do that yourself? Well, it turns out many people are, and you can go to a website to do the same thing.
Now then, if you can find a really wise veteran financial planner who will truly look at your financial situation, and has a lot of experience under their belt, then in my opinion that would be the wiser choice.