The mass-produced FIRE financial advice to use low or no-fee index funds and to ditch fees ignores the invisible value of an advisor.

Even if, in a single conversation, an advisor can talk someone off the ledge and calm an emotionally charged situation, they've provided value beyond the 1% fee.

All is well while we experience and upward market trend, but some of the loudest and most prevalent FI advocates may lack the support they'll need if and when a storm hits.

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