Should you use PC? Probably not.
When I hear of advisors building portfolios of individual stocks the first thing that comes to mind is active mutual funds. As we all know, most active funds can't beat the market over time. Let's digest that for a second...
A mutual fund manager is normally someone with decades of experience in the financial markets, groomed by mentors who also manage funds, who worked as a CFA before that, who have teams of CFAs working 60+ hours per week doing research, and they still can't beat the market.
But your Personal Capital rep, who probably isn't a CFA or CFP, and is working at a firm that's only been around a few years, their confident they've got this. Just trust them.
It's so absurd that it's hilarious!
Onto a more serious note:
1. If you feel comfortable managing your own portfolio. Do that.
2. If you need an advisor's help, you can have a free consultation with a Vanguard CFP once per year. The advice is very similar to the advice you would get on Bogleheads; low cost well diversified index funds. If you need more help than that the CFP can manage the account for 0.3%. Like use2betrix, I see situations where a financial planner can help, especially when it comes to managing a portfolio that includes a taxable account with a lot of unrealized capital gains.
