I have a financial advisor, but to be honest with you, I don't really use him too much anymore. After everything was set up, it was pretty much smooth sailing. I have a 403b with Fidelity, and I hit them up for advice regarding fund choices. This is what he did for me:
1) He made sure I had life insurance and disability (be careful in this one).
2) He made me get Roth IRA's.
3) He made me max out my 403b.
4) He help set up a mutual funds and money market accounts.
5) He looked at our income, and made sure our budget was reasonable.
That was it... All I have to do is remember to become less aggressive with my mutual funds as time goes by, and my wife and I should be set for life (knock and wood).
