Pay for Only as Much Retirement Advice as You Need

When it comes to investing, you could always go it alone. Plenty of people do. Perhaps it's because they're so confused about how to get good financial advice and/or how to pay for it.

After all, if a financial professional works on commission, it's hard to tell if he's looking out for your interests or his own. But if an adviser charges a fee to monitor your assets year-round, and all you need is a starter plan and maybe an annual check-in, that might not be the right fit, either. Then again, if you go the least expensive route -- mostly DIYing it with a robo-adviser -- you might not get the hand-holding you require when