In a world full of “do-it-yourself” options, it’s easy to think you can save money by taking everything into your own hands. Whether it’s home renovations, car repairs, or cooking restaurant-inspired meals, a few online searches can make almost anything feel achievable. But when it comes to something as important as your retirement savings, the DIY route can create risks you may not see coming. Some areas of life truly benefit from professional guidance—and planning your reti