@mark45 I could write a long comment but it really boils down to this:
Do you need help with this? If so, get help. It will cost money but will probably be worth it.
Do you not need help? Then don’t pay for help. It will never be worth it.
I foresee with AI and improving tech that DIY will continue to get easier and easier for those willing to go that route.
But also, there will always be people, companies, institutions who need help with these things.
I think Redditors underestimate the number of people who just don’t want to learn about investing, taxes, tax-advantaged accounts, retirement planning (especially for those without pensions), estate planning, etc.
It’s easy to imagine a world where everyone just follows Bogleheads and gets rich but I don’t think that’s how it works