Do you really need a financial advisor in retirement? Jeremy Keil argues that the answer depends on a better question: What do you actually want a financial advisor to do for you?

After reading responses from Kiplinger readers about whether they use financial advisors, Jeremy noticed that most people immediately focused on investment management—choosing investments, managing portfolios, or trying to improve returns. Real retirement planning extends well beyond investments. For retirees deciding whether professional advice is worthwhile, start by identifying the problems you need help solving. Once you know what you need from an advisor, you can make a much better decision about whether—and what kind of—financial planner is right for you.

For disclosures and conflicts visit keilfp.com/disclosures.