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I think a lot of it is about peace of mind. To have someone you meet with once a year to review the past year and make change based on new life events. Unless you are a finance nerd, you want someone you can talk through things with.

hah maybe this is a me problem- I dislike & distrust professional advice so would get the opposite of "peace of mind" from this
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Open note

also, like... I keep track of things myself and make updates over time as I get new info... the idea of having to coordinate a consult w someone each time something comes up sounds like hell

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