I totally get where you're coming from—balancing cost and quality can be tricky! Many people find that robo-advisors, like Betterment or Wealthfront, do a great job with low management fees by using algorithms to optimize portfolios and automate rebalancing. They might not offer personalized advice, but for straightforward investment goals, they can be a solid choice.
For more personalized guidance on a budget, look into financial advisors who offer fee-only services, where you pay a flat rate for a session instead of ongoing commissions. Also, check credentials like CFP (Certified Financial Planner) or CFA (Chartered Financial Analyst) to ensure quality advice.
Some online platforms even offer a hybrid approach with access to human advisors if you need periodic check-ins. Each option has pros and cons, so consider what level of engagement and advice you need. Good luck on your financial journey!
