Among the most important decisions we make as savers and investors is whether to manage our own financial affairs or hire someone to do it for us. The notion that we can all be successful investors is a delusion foisted on us by financial service firms eager to make money from our ignorance.  So unless you have considerable financial and investment knowledge and expertise, you should outsource to someone who does. But it’s critically important to select a financial planner or investment adviser whose financial interests are truly aligned with yours; that is, he or she has no incentive to […]