Q. I’ve been working with a monetary planner who I pay by the hour. I take her recommendation and make my very own investments and we verify in and I make modifications, if wanted, each six months. My financial savings haven’t been doing very effectively, although. I do know some monetary individuals, not mine, although, will handle your cash for you for a price. How can I resolve what’s greatest for me?

— Investor

A. Yours is a superb query.