Is it really necessary to pay a financial adviser? – CNNMoney

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I plan to retire in a couple of years and currently pay an adviser about 1.5% to manage my savings. I don’t want to sit around crunching numbers or picking stocks in retirement, but I’d also like to pay less than I am now. What are my options? Sometimes I think I’d be better off just sticking my money under the mattress and letting nature take its course. — Mike S.

What with the anxiety of watching the stock market dip and dive these days and the hassle of finding someone affordable, competent and reputable to manage your money, I can understand why simply shoving your savings under your mattress might have, shall we say, a certain emotional appeal.

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