The simplest answer would be – no, you don’t actually NEED one. In the same way that you don’t NEED a trainer or a nutritionist. But it definitely does make things easier for you. You’re too busy living your own life instead of doing the hours of research necessary formulating wealth accumulation strategies. That’’s OUR job – we have the education, the experience, the will and the wisdom to set you down the right path. In a complex, everchanging world, you need someone to bounce ideas off of to come to the best financial decision for you.