Hoping to get some thoughts from others.. currently 36 years old (wife is 29 and a SAHM). We are lucky enough to live of my pay and max our Roth IRA’s my 401k our HSA and put money in a brokerage account, 529 and UTMA for our kid. Almost everything is held in broad market index funds, but I’m wondering is it ever worth it to work with a financial planner? Even if it was just a fee based planner to get some tax advice or is the cost not worth it until you’re closer to retirement?