There is no magic number, but many investors consider hiring a financial advisor once their financial situation becomes complex enough to warrant professional management, often around the $250,000 to $500,000 net worth range. At this stage, tasks like tax-loss harvesting, estate planning, complicated asset allocation, and retirement drawdown strategies can become time-consuming and technically demanding. For those with a lower net worth, a low-cost, automated "robo-advisor" or a fee-only hourly planner can provide excellent guidance without the percentage-based management fees associated with traditional full-service firms. Ultimately, the decision should be based on your comfort level with managing your own investments and the value you place on having a professional partner to ensure your long-term plan is robust.