This is definitely a highly debated topic. I recently heard about a
In fact, several individuals are doing just fine without them. They created assets generating sufficient income to meet their needs and they are fine with that. Some others don’t believe in the stock market and invest in real estate properties or other assets. I can’t really blame them after the techno bubble and other market’s fluctuations.
You can also learn everything by your own and be a pro of personal finance. There are enough resources on the internet (such as this blog and many others!) that you can make your own decision and create wealth from your own knowledge.
If you are not passionate about personal finance or you simply feel unsecured to manage tax laws or leveraging strategies, I strongly suggest you get a financial consultant to help you out. The main point of this post is to reposition the role of a financial consultant. He should draw up the main guidelines and provide you with technical advices. However, you need to remain in control of your finance and be able to dig up if you don’t understand completely his explanation.
In the end, financial consultants are definitely a good support for personal finance. However, you don’t need them to be rich and there is no consultant that will make you a millionaire if you can’t get it done by your own. They are there to help you out with what you have. Unfortunately, they are not magicians.
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