If you've not figured out how to hold yourself accountable financially, you shouldn't even think about making any real investment because it won't take time before you exhaust all the money in your hand and take your investment immediately. It involves discipline, proper planning, and the ability to stick with your plan. Big firms do it and if you take it seriously, even though your income might be little, the proceeds of the income will amaze you.
There's nothing like that, they won't manage your funds because you can't even pay their salary (read: your income is little). It's only for the rich because they can afford to pay the salary and they have a lot money which they don't have time to manage it. Financial accountability need to start from yourself instead of trusting to whom you don't know the reputation.
You're correct everyone needs financial accountability, there are many old athletes and public figures who become poor right now because they can't manage their money.