Though we live in a world of do-it-yourselfers, online instruction videos and chat rooms, nothing quite takes the place of face-to-face instruction. Many people work harder and stick to a plan better when someone is physically by their side to guide them. The physical trainer pushes us to complete those one or two more repetitions at the gym. The knitting teacher shows us where we dropped a stitch, and how to pick it back up. And this is true when it comes to working with a finance professional as well. So why are many of us hesitant to engage a professional as guides for our financial lives? Maybe it’s due to a negative perception of them. Maybe it’s due to a lack of time and energy. Maybe it’s just not a top priority.

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