When to Hire a Financial Advisor—and When to DIY

There are seasons of life when managing your money on your own works just fine—and others when things start to feel a bit more complex. Knowing the difference can help you decide when to bring in a professional.

When Your Finances Are Simple: DIY Might Be Just Right

If your financial life is fairly simple — you’re saving regularly, contributing to a retirement plan, and managing day-to-day expenses comfortably — DIY might make sense for now.

There are plenty of tools and apps that make budgeting and investing more accessible than ever. Though I’d be weary of investing apps even though they are low cost — more likely than not, if your situation is simple, you don’t need an app to help you with investing.

When Life Gets More Complex: It’s Time for a Pro

But as life evolves, so do your finances. A career change, buying a home, saving for your children’s future, or planning for the next generation can all add layers of complexity. Maybe your income has grown, your taxes have gotten trickier, or you’re trying to balance competing goals. That’s often when having a trusted financial advisor starts to feel less like a luxury and more like a relief.

A good advisor helps you see the big picture — connecting your goals, values, and resources into a clear plan that supports your life now and in the years ahead.

In short: DIY when things are simple and steady. Bring in a professional when life (and your finances) start to expand.

If you’re starting to wonder whether it’s time for a professional perspective, let’s talk.

At Coriander Financial Group, we help clients turn financial complexity into clarity — so you can focus on what matters most. Book a 1-Hour Strategy Session