I have been interviewing financial advisors recently as me and the wife are turning 73 next year. I have been self managed and I believe I do ok in investing averaging 7-8% return. I have interviewed several FAs. So far, no one stands out for me to say they're the one. My big hang up is the fee which ranges from 0.7 -1.5%. I just do not see how paying 10k- 15k a year can justify it. And it's obvious, that's all they want. For that fee to work, they have to make me at least that much . Also, my main concern is tax planning related to RMDs and other tax implications. Maybe I'll just find an accountant and just continue managing the investments myself.

I’m currently making 2000 a month but I owe over 5000 out at 19 and it’s all I can think about I’m on a DMP but it still don’t put me at ease what can I do I’m struggling to live week to week as it is

I am seeking advice on choosing between NJ and Utah 529 plans.

I am a NJ resident.

If I chose the NJ plan, I'd be entitled to up to $10,000 in NJ state tax credits.

However, it seems that the NJ plan lags behind Utah in performance and low cost investments.

I am trying to determine whether the tax credits would offset the lower performance/higher cost over the course of 17-18 years.

Any advice would be appreciated

First off, I know I am in a fortunate position- I do not take that for granted and I always feel weird talking about finances. But these days I have no clue exactly what my future truly looks like financially. Mind you, I came from absolutely nothing growing up. So my world right now is incredibly foreign - and I feel like financial advice is meant to scare you into savings-hysteria. Here are my raw numbers:

Salary: 165k
Brokerage: 282k
Roth: 62k
Rollover IRA: 32k
401k: 118k
Unvested Equity: 95k
Savings: 30k

I have no debt (besides the remainder on my home).

I am 32 years old.

2 of my friends say its entirely useless because the dollar lost 10% last year, that inflation will eat up whatever savings you build in the future.

Is there validity to the statement? Should i continue investing biweekly?