Not everyone needs a financial adviser—but some definitely do. As we head into 2026, it's worth figuring out which camp you're in.

Some folks thrive flying solo with their investments. They've got solid discipline, enough knowledge to make informed calls, and honestly don't mind doing the legwork. Others? They'd be better off getting professional guidance.

Here's the thing: it really depends on your situation. Got a complicated portfolio with multiple streams of income? Inheriting assets? Planning for retirement but uncertain about the moves? That's when having someone in your corner makes sense.

Then there are those with straightforward finances—regular salary, basic savings, clear goals. A solid financial plan template might be all they need. No need to pay for advice if you can handle it yourself.

The key is being honest about your own capabilities and time commitment. Crypto holdings add another layer too—knowing how to manage them tax-efficiently matters more than ever heading into the new year.