It's usually obvious when we need a gym membership, diet plan, or personal trainer: the bathroom scale or the button on a suit jacket provides an instant indicator that we're struggling on our own. Faced with weight gain, we call in the experts to help us reverse a trend we don't like. But it can be much harder to know when we need professional financial help. As a financial advisor and investor, I'm actually most necessary when things are going well – when there is money o