Who doesn’t want expert guidance on how to best manage their money? One of the biggest barriers to hiring a financial planner is the cost, but there are a handful of ways to get advice for free.

From occasional events that offer one-on-one meetings with a financial planner, to the individualized guidance offered by so-called robo-advisers, it’s possible to get at least some of your money questions answered by experts—at no cost to you.
There are caveats. Generally, if you’re not paying for it, you’re less likely to get the personalized attention and in-depth holistic planning that can be best for your long-term financial health.

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