Pay Dirt is Slate’s money advice column. Have a question? Send it to Kristin and Ilyce here . (It’s anonymous!)

Dear Pay Dirt,

Is there a threshold or a minimum amount of money that a person should generally have before seeking a financial planner (as opposed to maybe consulting a fee based advisor just once or intermittently)? Also, does it matter where the person’s money is currently located, such as in CDs, savings account, retirement account/deferred compensation? Apologies if I’ve misused any terms. Thank you!

—Thresholds?

Dear Thresholds,

There’s no hard and fast rule, but people typically start considering regular financial planning help when they have around $100,000 to $250,000 in investable assets. In other words, when they’ve got savings outside of emergency fu

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