Yes, you do.  Firstly, obvious mistakes are avoided. By just going into the right asset classes and the right  products, which are the right fit, you save money. Also, among products, we will help you make the best choices to optimize on your outgoes. Think about it. Getting into a wrong insurance product can bog you down for decades.  Getting right advise on MFs can save you from making wrong fund choices and the attendant problems. This alone will more than pay our fees!    An experienced and knowledgeable consultant can pick out good investments for you, help you to avoid obvious mistakes and costly errors, which happen all too often, in the financial services space. This again delivers tremendous value for you.   There is no bias in the recommendation. As professional planners, we put integrity & ethics, above all else. Our recommendations will be always be based on what is required by you. We will keep a watch on the costs associated with the products we recommend.  We do not promote any specific company, brand or service.