This really chaps my ass because I see how financial advisers and also planners take advantage of the people around me. It's a big reason as to why I even started this blog. Thankfully I have a solution.
If you're one of those people that fucking loves money and its freedom, but absolutely hates dealing with it. Follow these simple rules.
Open a brokerage account with Vanguard. https://personal.vanguard.com/us/openaccount?CompLocation=Home&Component=OpenAccntLnk
After this you need to setup this thing to automatically invest money for you.
You just have money drafted from another account or have a direct deposit from your employer and it will do the rest. To make it real simple invest 1/3 of the money into each of the following ETF's: VEU, VOO, VBLTX.
I have no vested interest in Vanguard I just like their ETF's because they follow the market well and they're really low in fees. I don't want to get sued so I'm going to tell you that these investments aren't for everyone and to seek the council of qualified investment advisers. Even though most of them will try to rip you off with high fees.