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By George Mannes
March 21, 2016

You don’t always need a financial adviser to help you out, but sometimes one comes in handy. Liz Davidson, author of What Your Financial Advisor Isn’t Telling You, says that when you’ve maxed out your employee benefits, you’ve cut down on your debt, you have an emergency savings fund, and you still have extra money, a financial adviser can help you distribute that money so that it grows for you instead of just sitting in a savings account.

And if you are worried that you will outlive your money, then a financial adviser can lead you through your various options, some of which are complex.

Advertiser Disclosure

The purpose of this disclosure is to explain how we make money without charging you for our content.

Our mission is to help people at any stage of life make smart financial decisions through research, reporting, reviews, recommendations, and tools.

Earning your trust is essential to our success, and we believe transparency is critical to creating that trust. To that end, you should know that many or all of the companies featured here are partners who advertise with us.

Our content is free because our partners pay us a referral fee if you click on links or call any of the phone numbers on our site. If you choose to interact with the content on our site, we will likely receive compensation. If you don't, we will not be compensated. Ultimately the choice is yours.

Opinions are our own and our editors and staff writers are instructed to maintain editorial integrity, but compensation along with in-depth research will determine where, how, and in what order they appear on the page.

To find out more about our editorial process and how we make money, click here.

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