Decide Whether to Use a Financial Adviser or Invest DIY

You have a lump sum and three paths: pay an adviser, use a robo-adviser, or run it yourself on a cheap platform. This prompt starts by sizing up how complex your situation really is, because regular contributions to a global index fund need very different handling from pension drawdown and inheritance. Then it points you at the approach that fits.

<context>
You have {INVESTABLE_AMOUNT} to invest and are deciding whether to use a financial adviser, a robo-adviser, or invest yourself using a low-cost platform. You are not sure which approach suits your situation.
</context>

<task>
**Step 1: Assess your investment complexity**
Simple situations (regular contributions to a global index fund) may not need an adviser. Complex situations (pension drawdown, inheritance tax planning, business assets) often do. Where does yours sit?

**Step 2: Calculate the cost of each route**
Estimate the total cost over 10 years for each option: adviser fees, platform fees, and fund charges.

**Step 3: Assess your own competence and confidence**
Are you willing to learn enough to invest competently? Would you panic-sell in a market downturn without someone to talk you out of it?

**Step 4: Make a recommendation**
DIY / Robo-adviser / Independent financial adviser, with one key reason.
</task>

<output_format>
- A complexity assessment
- A 10-year cost comparison table
- A recommendation with one key reason
</output_format>