We all lead incredibly busy lives. When our day comes to an end, most of us would rather spend our remaining precious hours with loved ones, watch the latest episode of The Bachelor, or update our Facebook status, than to navigate insurance companies and their extensive offerings. We would rather take in a hockey game or watch our kids’ recitals than research a plethora of mutual funds and ETFs to determine the best asset allocation for our portfolios.

Maybe we do find some time and use a combination of Google, brother-in-law accountant, hairdresser, a buddy who knows a guy who knows a guy who is a big shot hedge fund manager downtown, and employ a DIY strategy to manage our finances. If that’s working out for you, keep on keepin’ on! If not, consider an alternative.