I'm writing a paper for my personal finance class and im having a really hard time getting started.?

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i'm not sure mean personal financial planning. sit down , write budget, financial goals , forth? doubt mean because there no cons that. if talking hiring personal financial planner, there plenty of cons: (1) take fee service reduces rate of return, (2) paid commissions on funds put in, means impartial, (3) financial planners claim treating according specific needs, using simple , well-known formula split assets based on age, (4) there many planners competent many incompetent, (5) don't respond market changes if handled own money. when market dropped in 2008-2009 many people trusted planners them out , instead lost lot of money.

the topic cons of personal financial planning. can me started ideas please!


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