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If you are considering to start trading stocks with a short-term horizon, instead of investing in stocks or other instruments for the long-term, then you should trade in stocks using the money in your ‘discretionary fund’.
A startup can be a public company or a private company. It is not common for an early-stage startup to be a public company, though there are a large number of early-stage and late-stage startups that have gone public in various stock exchanges across the world.
Every person needs a decent-quality financial adviser, if not a high-quality financial adviser. The question is: “does the fees that I have to pay to avail the services of a financial adviser is justified for the amount of wealth that I own?”
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If you are an expert in investing, have the time needed to do regular research, and have the discipline to stick to an investing methodology objectively, then you can do your own investing.