Often you may find your finances fragmented by old 401k(s), a few different insurance policies, and a few self-help finance books in which you never got past the first few chapters. You could benefit from some ongoing financial coaching from an advisor who can help you round out your financial picture, using a holistic approach.

Scored 9-10, you may be a Do-It-Yourselfer

You're on the right track. It may be that you are well-off and savvy enough to be a "Delegator" who has selected good advisors. You might benefit from a one-time overview or second opinion from an objective professional to see if there is anything you're missing or that needs updating.

So how did you score? As a financial advisor, you may feel that my questions are slightly biased towards the industry. In reality, it is this type of questioning that the sophisticated investor can answer quickly and with ease.

Accredited investors (http://www.sec.gov/answers/accred.htm) typically have their own tax, financial, and legal advisors. They are typically highly intelligent investors, yet seek counsel from experts who work in their respective industry. These investors typically know exactly what their time is worth and will typically outsource activities which cost less than they make per unit of time, such as landscaping or oil changing.

So what does that mean to the middle class investor? It means at least finding someone qualified whom you can bounce ideas off of. If you are a do-it-yourself person, regardless of score, and enjoy your discount trading, then find someone to meet with periodically on an hourly rate, who is objective, and who wont shove products their company owns (aka proprietary products) down your throat. Worse case scenario, find one you are comfortable with and take him/her out for a full round of golf. After 18 holes, you will have a much clearer idea about where you stand financially.

If you require more in depth guidance with your investments, a qualified full service advisor may be appropriate. Bottom line, regardless of what avenue you decide to follow, at a minimum, I suggest following an investment plan my father taught me: Dont take advice from people more screwed up than yourself.