What I&#x27;m saying is that even &quot;inexpensive&quot; fee-only advisors, as Patrick is suggesting to, are closer to $1-2k&#x2F;year not $150. I said nothing about the relative value of a 2 hour meeting with a financial planner, I am only stating the fact that you are unlikely to find any &quot;fee-only&quot; planner who will work with you for $150. I&#x27;d be happy to be proven wrong by someone who is actually doing it.<p>As my own counter example I know someone who did exactly as you suggested. A one time meeting with an advisor to review his portfolio and asset allocation but invests for himself online. It took about 2 hours and cost $500 and didn&#x27;t include any detailed financial planning (e.g., taxes, retirement projections, etc.) it was simply a portfolio review.<p>So even using the lowest and simplest example I could find the cost is much higher than suggested. Additionally, I was also told this advisor was fairly reluctant to even offer this. This, generally speaking, just isn&#x27;t their model. Even in the fee-only market they are typically looking to work with people on an ongoing basis, not one off.<p>As a more general example, in Canada some people work with &quot;money coaches&quot; who focus more on financial planning, saving habits, debt consolidation, retirement income planning, etc. They charge around $1-2k for a four meeting package. My understanding is that these prices are similar in the US but I could be wrong.<p>The bottom line here is that I&#x27;m just not aware of a market of financial advisors charging one time fees anywhere near $150. That&#x27;s just how it is.<p>&gt;&gt; I get the sense that there are many in this thread who are either in the industry...<p>I suppose finance must be the one industry where people outside of it know much more than those in it.