There are millions of people who never use the services of accountants, advisors, attorneys, brokers, or other professionals. Some do so by educating themselves and using the best tools so they can perform the tasks of the professionals. Some folks hide their head in the sand and do nothing.

My advice is (naturally) to educate yourself before you hire a professional. It is your financial life and the more you know, even if you do hire professionals, the better you are equiped to create a healthy financial future.