Should I use a financial advisor?

It depends. If you know you're not going to get invested unless you work with a financial advisor, then go ahead. But we really think you can do it on your own! If you want to work with a financial advisor, make sure you find one with low fees (no higher than 0.3%) and one that is a fiduciary - meaning they have your best interests in mind. Vanguard Personal Advisor Services offers low fee financial advising and could be a good place to start.