Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Advice for college student: Should I hire a financial adviser or just invest in index funds?
If you use a financial planner not only should they be a fiduciary but you should just pay them an hourly rate once a year instead of a percentage unless the percentage is cheaper at this time. To find a good one, go to the National Association of Personal Financial Advisers website, NAPFA.org. Another good resource is Garrett Planning Network: GarrettPlanningNetwork.com.