For starters, it’s NOT financial planning.  If your financial planner is merely managing your investment portfolio, you’re missing out on the full value of a financial planner.  Investment management is necessary, but you may not need your planner to do it for you. 

A large portion of the financial services industry is constructed with the thought that you are incapable of managing investments and, therefore, should pay someone else to do it.  That may be the case for some, but for others, it’s definitely not the truth. 

Investment management starts with some basic principles: understand your goals, invest in a balanced and diversified way, minimize costs, and be patient and disciplined.  If you can, and want to, do these things effectively, you can be a successful investor.  The savings could provide much more money to enjoy during your lifetime!