Should I consult a financial advisor/consultant in my situation?

You need to determine whether you are capable and disciplined enough to achieve your goals on your own. If yes, then we are done. If not, then we need to evaluate on how a financial advisor or consultant is able to help you achieve your goals.

Generally in your situation, I will suggest for you to approach this matter in three steps:

Firstly, determine your goal, and the time to achieve your goal.

Next, we need to have a complete understanding on our cashflow. Through this process, we will understand our earning ability and spending habit.

Here is a Guide:

Understanding Your Personal Cash Flow

Finally, create a budget that is capable of helping you to plan for the future. The best way to do this is via automation.

How I do My Budget:

How to create a Monthly Budget

Of course, depending on the time that we have alongisde with your risk appetite, we may need to place your money into the right financial instruments in order to leverage on the yield to help you achieve your goals with lesser input.

I share quality content on estate planning and financial planning here.

When you need more resources an independent advisor could be of help

some of integrity are on this Seedly board (hint: among those with the most answers)

otherwise, generally it is, as with doctors (or with all professions): how to find the one free of conflicts of interest ? difficult.​​​