It's Just Math (isn't it?)
Why on earth would anyone pay a fee to have a financial planner help them? After all, isn't it just a matter of common sense? As one gentleman once exclaimed to me, "It's just math."
As someone who hates to pay for anything that I can do myself, I feel your pain. But it just may be that we need to turn this rock over a bit more and look under it.
There's no reason to believe that just because you know how to quantitatively analyze a math problem with more than six variables, that you are familiar with the tax code, which even Albert Einstein said was "more philosophy than mathematics."
The typical electrical engineer would not be expected to understand how it's possible to generate a consistently positive growth in an IRA north of 7% without market risk.
Your average rocket scientist, if there is such a thing, might be surprised to find that there are ways to prevent the government from taking a large chunk of money from his family after he dies.
You see, the math is easy. It's the financial expertise that's missing. Just because you are a prodigy in your own field doesn't mean you are an expert in all the mysteries of the universe.