You could be missing out.
With the recent mortgage and banking crisis, it's no surprise that some people would rather put their savings under the mattress than risk losing it in the markets.
Even if you invested at the market peak in the US (S&P 500) in October 2007, before the crisis of 2008-2009, you would still be up more than 30% in total by end of 2014.
There's a better way.
We love your initiative, and it's great that you've decided to take control of your own investments. But studies have shown that the average investor does poorly on their own, and over the last 30 years has averaged about 1.76% per year on their money, less than inflation (2.7%), and much less than bonds (7.36%) or stocks, S&P 500 (11.06%).1
1 Quantitative Analysis of Investor Behavior — DALBAR 2015
Is 'your guy' on your side?
Is 'your guy' a fiduciary advisor? If so, the law requires that he or she provides advice based on your best interest. If not, 'your guy' could be affiliated with a big bank or brokerage firm, and many brokers usually require that you have a big portfolio to even start talking.