Here are some good times to consider consulting a financial advisor when investing:

– First time investing – If you don’t have experience investing, an advisor can provide guidance on fundamentals like setting goals, asset allocation, diversification, risk management, taxes, etc.

– Major life events – Events like marriage, divorce, new child, retirement, inheritance windfall, or death of a spouse warrant a look at updating your investment strategy.

– Changing goals – If your goals shift substantially, like wanting to retire early or buy a second home, an advisor can help tweak your plan.

– Rebalancing need – If your portfolio asset allocation gets significantly out of balance, an advisor can assist with periodic rebalancing.

– Ongoing portfolio management – Some use advisors just for periodic portfolio reviews, rather than for continuous management. Get advice adjusting your plan.

– Tax planning – Look to advisors to help arrange your assets in a tax efficient manner such as which accounts to hold which investments.

– Sudden market decline – In a major market downturn, an advisor can provide reassuring advice against irrational moves like market timing.

– Confusing investment options – If faced with many complex products, vehicles, or strategies, an advisor can identify simpler suitable choices.

The need for an advisor depends on your knowledge, time, ability to control emotions, portfolio complexity, and desire for guidance. Take advantage of free initial consultations.