For most, the answer is yes — especially if you lack investing knowledge or assume an advisor can produce higher returns. Financial advisors absolutely offer useful services, but beating the S&P 500 is not one of them.
That’s where the Stars model comes in.

This strategy doesn’t just outperform the S&P — it outperforms every other strategy I know of by about 10 percentage points per year.

You can dive into the details of the Stars model in my book Earn Twice the S&P, or explore my 125+ blogs at leeekholm.com. My website also features the performance of all eight versions of the model.

And here’s the key part:
✅ The Stars model is 100% rules-based
✅ Requires just a few hours per year to manage
✅ Has been 100% accurate — so far — with essentially no risk after a couple of years due to its long-term returns

When I write about a rebalancing or update, I’ll give you straightforward guidance on what to do — so you can follow the model on your own or use it as a discussion point with your advisor.

If your advisor tells you this is “too risky,” ask yourself why they’d dismiss a proven, transparent, long-term strategy.