My problem is that my brother (in his late 20s) is super lazy and would never do any financial planning on his own. I've been trying to get him to open a Roth IRA for a while, but no chance. So now I'm thinking of starting one for him for his birthday and setting it up so a certain portion of his paycheck will transfer automatically. But there's no way he will ever be motivated/responsible enough to do his own investing. I'm not sure what strategy to follow because I don't want to do his investments for him. Is it worth hiring a professional? Do the major online trading sites (Etrade, Vanguard, ScottTrade, etc.) offer some kind of package where you just add some money and it is professionally invested for you? Any advice you have would be greatly appreciated!! Thank you! Laura, Chicago, IL