A good rule to use is to never take financial advice from a pilot.

With that being said, here is my free advice.

A financial planner can drastically eat into your 401k balance.

"An extra 1% in fees can be brutal when it compounds over time. And extra 401(k) fees add up even more quickly for higher-income workers. A scenario from NerdWallet analyzes a 25-year-old who plans to retire at 65, has $25,000 in retirement savings, saves $10,000 in the account each year, and earns a 7% average annual return. In this example, paying just 1% in fees costs the saver more than $590,000 in sacrificed returns over 40 years of saving."

If you truly want a financial planner, try to find a fee only fiduciary. I got quoted from such a planner for a whole holistic plan for around $5000. We didn't end up going that route as we are still young and I enjoy learning about financial strategies. The person with the most invested in your financial future is you, so I feel with proper education, you can control your portfolio yourself. Only like 5% of fund managers can outperform the market, so I really feel passive investing is the way to go.

If you don't want any part of it, a basic target date fund is a good way to do it. Just make sure it is not actively managed and uses index funds to keep costs low.

If you want a little more control, a 3 fund portfolio (domestic total market, international total mark, domestic bond) is very easy and reliable. Just rebalance once a year and it's totally hands off besides that. We are still young so we do this without the bond allocation.

But my biggest piece of advice is to max out your 401k, your wife's 401k (if she works), your and your wife's Roth IRA (use the backdoor method as long as you don't have a traditional IRA), and if you are eligible, your HSA. Never touch your HSA funds until retirement. Pay cash for medical bills while allowing your HSA to grow tax free (HSA is one of the best retirement accounts possible as it is triple tax advantaged). Save all your receipts along the years and when you retire, withdraw cash from the HSA using those receipts.

I really enjoy following these guys. They have a financial order of operation that walks you through how to save and where to put your money. They have a youtube channel, which I enjoy.

https://moneyguy.com/article/foo/

There are other areas where a financial planner would be very beneficial, but I'd say it depends on your mindset and your age. As I get older, I will definitely pay a fee only financial planner to double check my plan and help tweek it a bit. But doing Roth conversions now (Trump's tax cuts are ending soon) to reduce future required minimum distributions (RMD's) might be a good idea, depending on your tax bracket now.