Well, whether you need PROFESSIONAL professional help is up for debate, but when it comes to your finances, don’t rely on Google.
You need someone who knows what they’re doing.
Consider this example:
I am 45 years old with 3 young children. My biggest concern is that in about 10-12 years, they will be going to college. I have a good job and currently make $75,000 per year.
I don’t have college savings plans set up for them at the moment. I’m considering opening a Roth IRA and maxing it out every year so they use it for college.
I also have an old 403b just sitting there doing nothing. I’m maxing out my 401k at my current job, which also offers an 8% match. Would you please advise what I should do for my children and for my retirement? Also, do you think I should convert my old 403b into a Roth IRA?
These are the type of questions that a Certified Financial Planner drools over.