Yes No. Just don’t.
re:advisors we have had a couple. One was a Ramsey recommended and he was benign. Young, fee based, did our taxes ended up quitting so we were assigned another. We later realized that DR recommended ones only get on his list by paying a fee. DR doesn’t vet them.
Then we switched to another who was a good friend we trusted. First with Morgan Stanley then moved to Wells Fargo. Their statements and interface both were difficult to see what was going on, by design. Took awhile for us to figure out but he cost us THOUSANDS and has been our biggest financial regret. 5 years down the drain with him. Since then I have spent lot of time readin books and we have come up with our OWN plan. We switched everything to Fidelity and are managing it ourselves. Their app is so amazingly simple to see exactly where you are. We are slowly selling off our bad investments, are waiting til Jan and moving everything into index funds. Do your homework. It is less complicated than the advisors would like you to believe. Look, you homeschool, right? You have had to learn along the way? You can do this.
Everyone is in this business for a reason, to make $$$. Sorry if this offends anyone but they are leeches. They make their money off us—either commissions or other payments that are difficult to see. Reddit also has some advice forums in addition to bogleheads etc. squirrelers is another.