It is one of lifes mysteries how highly educated people who are much better at math than I am (even though I'm highly educated as well), fail at third grade math when it comes to finances and investing.
Top tip:
If you can afford the $185 financial planner. Each time you feel like needing advice, take the $185 and instead of giving it to the financial planner, put it into an index fund.
Bonus point:
Forget you put it there. Check again in 20 years.
Boom!
How much do you charge for this information? :)
It is on the house, but the next one will cost you $185 for each starting hour. :)