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In most cases, you'll talk to a different advisor each time, but you'll pay an even lower fee if you opt for one of these services. You’ll take a short quiz and Zoe will match you with three financial advisors. There are thousands of advisors in Zoe’s network, and advisors typically charge a fee equal to .80 percent to 1.5 percent of your assets under management. Just keep in mind that you may get matched with pros who offer remote services outside your local area. Though financial advisors and financial planners come with an expense, budgeting for that expense in the long term may be worthwhile.

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