I have been putting part of my paycheck into a high yield savings account, but haven’t bothered with investing it in a responsible manner partially due a fear of losing the money due to bad investments. I’m finally realizing how much potential money I’ve lost by letting my money stagnate. Please advise me on how to responsibly invest my money, thanks!
Is there a national level recommended fee only fiduciary, or is it better to seek out a local company?
I’d go local. But if you want something online, I generally trust The Money Guy show on YouTube, and they operate a fee-only advisory called Abound Wealth, so you could check them out if you’re interested. Check out some of their videos and see if you like what they say, I imagine their advisory services would be similar, just more focused on your specific situation (in particular, check out the Financial Order of Operations).
I like their advice way better than Dave Ramsey (Ramsey is way too anti-debt, and way too aggressive on retirement asset drawdown), and their content is really accessible while not being too dumbed down.