Good question!

You could read lots of free advice instead and try to put it into practice.  A book or web page can't treat you as an individual, of course, and it can't discuss your questions with you.  It also can't take account of your special circumstances and all the things that make you unique.   And it's not very interested in what you think and feel.

But if you're happy with that, I hope it works for you (no, seriously!). 

If you work with me then I'll respect you as an individual and help you figure out what's right for you personally.   You have to judge whether it's worth the money to look for the right answer rather than settle for a general but free answer. 

Also, my overheads are low, so I charge less than many of my competitors!