How does a planner plan if they don’t have a snapshot of the full picture. If you buy into the concept of a True financial plan you need to provide everything. That means tax, income, plans for children, trusts, family wealth and inheritance plans etc.
With under a Hundred thousand dollars I think you are best off dollar cost averaging into an index fun. Stick with that one fund until you reach the minimum sales break point and then diversify into a second fund etc.
Schwab, Vangard, Fidelity all offer good platforms and have well established low cost mutual funds.
If you want to add a littel flavor to the mix throw in an ETF or find a Closed Ended Mutual Mund Selling below NAV
