You should research as much as you can these risks. If you feel that you want help from a financial expert it is recommended to find a "fee only financial planner". You pay a lump sum to this person to help you, as opposed to them taking a cut of your investment portfolio (which is regardless of performance).
I've had an investment advisor take their cut of my portfolio before. It REALLY SUCKS when they take their 1% (typical) fee on years where your portfolio loses money in the market.
I've had an investment advisor take their cut of my portfolio before. It REALLY SUCKS when they take their 1% (typical) fee on years where your portfolio loses money in the market.