Question: I’m 19 and working as a stripper part time right now and I make 60k a year, and I plan on doing so for the next 7 years. I have 15k saved up, but it’s just in a bank account. 

I’m also in college majoring in nursing. I have scholarships and my parents are paying for the rest of my school costs so I won’t have any student loans. I don’t have any debt or loans or anything, and I’m pretty frugal.

I don’t know anything about investing or stocks, so I was wondering what I should do? 

I’ve heard about Roth IRAs and how it’s beneficial for young workers whose tax brackets will go up later in life, but would it be good for me since nurses make not much more than I’m making right now? 

What other kinds of options are there for low risk high interest?

Answer: 
What's "reasonable" is largely dependent on what you're expecting them to do for you. [Nerd Wallet has a decent article](https://www.nerdwallet.com/blog/investing/how-much-does-a-financial-advisor-cost/) about the cost structures of various FA arrangements. What you're describing from those 2 FA's you interviewed seems to be option 2, which is essentially an annual retainer. What you paid for originally was option 4 - a flat fee for a plan, meaning you buy the plan and walk away.

> 
> 2. A RETAINER FOR CONTINUED SERVICES
> 
> 
> [...] One common way to charge for that kind of planning is an annual or monthly retainer. For that
> fee, the advisor typically will create a financial plan for you, help
> you implement it, monitor your progress and adjust things as needed.
> If you have trouble sticking to a plan or need help changing your
> behaviors, a retainer model may be for you because it provides ongoing
> oversight.
> 
> 
> The cost of the retainer typically isn’t linked to how much you have
> available to invest. However, you may pay more if your financial
> situation is complex.
> 
> 
> Typical charge: Between $2,000 and $7,500 a year.
> 
> 
>
Here's an answer and follow-up to my own question: A year after I wrote up the question, I did find a fee-only financial advisor who offered the flat-fee-per-plan service that I desired (unlike my prior advisor who had abandoned that service from their expanded practice). 

I found this advisor via the [Garrett Planning Network](https://www.garrettplanningnetwork.com/), which specializes in fee-only financial planning without long-term commitments. I understand that some or many advisors in the network have picked this up as side jobs with a small amount of training; however, in my case I did find someone who had spent a career in corporate finance, and was extremely happy with their service. 

Looking at the [Nerd Wallet](https://www.nerdwallet.com/blog/investing/how-much-does-a-financial-advisor-cost/) link from @BobbyScon's answer, we see the service I desired described thus:

> 
> **FLAT FEE PER PLAN**
> 
> 
> Some advisors charge a flat fee for creating a financial plan. There
>  is no ongoing management or oversight; you carry out the plan
>  yourself.
> 
> 
> * **Cost:** The cost will vary by service, but $1,000 to $3,000 is typical for a financial plan.
> * **What you get for that fee:** A comprehensive financial plan and guidance for how to follow it, but no ongoing services or investment management. The advisor charges a set fee for each type of service. You’ll get an outline of what’s included and see the fee upfront.
> 
> 
> 

The amount I was charged for the flat-fee-plan was a little less than $2,000, very close to the median range given in the article, so it looks accurate according to my experience. Note that range is indeed 3 to 10 times higher than what I paid thirteen years earlier for a similar service.