One of the things that is important for your financial wellness is to get a good financial advisor.  Of course, you can pretty much do everything on the internet yourself - buy stocks, weigh mutual funds, and others, but the important thing is you should know where to go for advice.

IN financial management, that is key.  Good advice is expensive, but bad decisions can be disastrous.

The most important of course, when seeking advice is to know who to listen to, and when to listen to.  That means that even the best financial advisers can be wrong  ( Remember the quip that if your stockbroker knew what stocks are surefire, they would be buying it on their account instead of being your stockbroker!)

Let me share to you my own experience.  Two years ago, I happen to invest some money and therefore got to talk to one.  Apparently, at that time, maybe, the investment firm has a certain quota for a certain bond offering so right off from the start, he keeps touting me this specific bond offering, and how and what is the sterling record of these bonds the last few years ( of course, the last few years prior to two years ago, interest rates of US has been going down, which means bond mutual funds were making good returns).

I was not convinced, but I could not shake him off, so I ended up putting half the money in bond funds, and the other half on international stocks.

Two years later, the bond funds is returning less than 4%, while the international stocks have appreciated more than 40 %.  So I meet the advisor again for a review.
What he wants for me to do is for me to terminate the bond fund ( of course, everytime you terminate and buy something they get a commission), and invest in something that will give better returns  ( of course, conveniently forgetting that what got you on this measly return in the first place was his strong recommendation).

Anyhow, I started to ask him what to invest in, and he starting touting different kind of funds - from China to Asia pacific funds, and then ultimately to another US bond fund.  This time ( apparently he forgot that just 10 minutes ago - he was asking me to terminate another bond fund), he started to inform me why he think this bond fund will really make good the next 2 years ( US economy slowing down, interest rates easing etc etc).

At the end, I reminded him that if he thinks the bond funds are so good, why terminate one for another?  So I keep it.
As I said again, be wary of brokers or advisors whose interest might not exactly merge with yours, and whose primary aim may just be for you to churn your holdings for added commissions.