lower-cost financial planning

https://thelowercostfinancialworld.birchreport.com/posts/how-lower-cost-financial-planning-helps-you-make-smarter-money-decisions

I'd always assumed financial planning was only for people with six-figure incomes and accountants on speed dial, but I've started exploring lower-cost financial planning options. Turns out, there are fee-only planners who charge by the hour or a flat annual retainer, plus many robo-advisors that offer solid portfolio management for a fraction of the cost. It's less about fancy estate strategies and more about getting a clear budget, paying down debt, and automating savings. I'm already sleeping…