Financial Advisors in Arlington Heights, IL

I know it isn’t what you asked, but you are absolutely capable of doing this on your own. You could do a [lazy three fund](https://www.bogleheads.org/wiki/Three-fund_portfolio) portfolio. It’s very easy, requires little maintenance, mimics retirement funds and you aren’t paying a portion of your retirement to anyone to manage it. You invest in three indexes and rebalance every year. That’s it. It’s a well established way to manage your own retirement (almost) effortlessly. Edit: Let me add - Max out 401k to match point first if one or both of you can (free money), then fund a Roth if you have more to invest. Then read around if you have even more. The more you put in the earlier is THE biggest key to retirement. More so than if you choose to do it yourself or hire an advisor. Those early years can make it for you. Good luck!

Do it yourself. Financial advisors are a huge drain on your returns. I would start here: [https://www.bogleheads.org/wiki/Getting\_started](https://www.bogleheads.org/wiki/Getting_started) Once you have read and digested the intro, post your situation and question in their personal investments forum and you should get lots of advice, most of it likely to be very good. If you do all that and members "retiredjg" or "ruralavalon" respond with advice, listen to them as they especially know what they are talking about.

I use [Bryant Moore](https://www.ashfordadvisors.net/team/r-bryant-moore-chfc-clu) who is a great guy. However, I went through him mostly for disability insurance, life insurance, and just in general income protection first. Like others have said, if you're just wanting to get in the market, you will save money doing it yourself. However, if you are needing income insurance, he's a great resource

Use Nisu Patel at Northwestern Mutual

I work in this industry. A financial advisor is going to but you primarily in investment products that you are unfamiliar with and benefit them the most. If you don’t have a fair amount of capital, I would suggest doing it on your own. If you’re looking at getting into stocks I’d look no further than a vanguard etf with a target around 2055. The fund is managed and is a blend of companies and you can choose which funds are best for you based on your willingness to accept risk. Just picking stocks and buying them retail won’t really build the wealth you’re likely looking for and you’re likely to loss out with the current state of the market. All that being said, whoever you bank with would be happy to set up a meeting with their FA. It (should be) free for the meeting and if you don’t like the sound of the cost, you can just nope out. Edit: feel free to dm me with any questions. I work at a bank, I turn 30 next year, and have been aligning my finances accordingly for the past year and a half.

At this point in your journey, you don't really need an advisor as time is on your side. During your accumulation phase, do just that. Later, when you have sizable assets you might look in to hiring someone for advice perhaps. Should you decide to pursue this option, make certain that you look for a "fiduciary" - an advisor that is obligated to work in your best interests & not just generate commissions for themselves. Ask them what their total fees are & how they get paid. You can then decide if that's something you want and trust will play a big part in your decision. For now, you would be surprised as to how easy getting in and managing your own investments can be. Whether it be an IRA, Roth, or an actively-trading investment account, all the modern institutions such as Vanguard, Fidelity & E-trade offer a wealth of knowledge in addition to robo-advisors and the sort. You can truly 'set it and forget it' for a long while by getting in to target-date funds or ETF's that carry very low fees. For now, I would suggest that you do it yourself after doing some research. The sidebar at [https://www.reddit.com/r/personalfinance/](https://www.reddit.com/r/personalfinance/) is a great place to start and you should be able to go anywhere you'd like from there. Good luck!

You can find a handful of advisors in the local area by visiting [NAPFA](https://www.napfa.org). Another option is [XYPN](https://www.xyplanningnetwork.com/) You want someone that's a fee-only fiduciary and a certified financial planner. I think that's all you'll find at the two sites I mentioned. Marshall at BCR is a good dude. They may have a minimum asset level or fee. Jesse and Ross at [Zora financial](https://www.zorafinancial.com/) may be just what you need. Good luck in your search.

Make sure whoever you do choose is a fiduciary.

Since everyone is telling you to do it yourself I will suggest my advisor. BCR Wealth I have used them for roughly 12 or 13 years. They are super friendly, responsive, and do way more than just balance my funds. If I ever have questions about financial issues, questions for good leads on a Will attorney, lenders for mortgage loans, etc. Basically if it has to do with money they offer quick assistance. Also they do a really cool workshop with you to see if the funds you are putting away will help you meet any retirement goals you may have. Most financial advisors probably perform this with you but it's worth noting that service since it is unlikely you are going to do it in your own. But I will say the other folks advice is good advice as well but the peace of mind I get from my financial advisor is nice as well.

Thank all of your for the valuable input. This is more than enough material to digest and get started with. Appreciate each of you responding.

I'd just use a site such as [Betterment.com](https://Betterment.com).

I work in this field and I would agree it sounds like you can do something like this on your own. Most families who need a CFP or ChFP, and getting a little more specific somebody with a RICP and/or AEP are those with significant and multiple types of assets, several children, business owners with more complex tax needs, etc. Basically, if you ever get to the point where it's truly overwhelming to manage your money and feels like it would take forever to figure out a plan for yourself and your family, then you'll need the services of some people who hold designations for the aforementioned letters. The type of work we do is we analyze current assets and build a plan that will generate sufficient income all throughout retirement, and we work with clients to create an estate plan, which I would argue is one of the most important things you can ever do for your family. As for your asset allocation mix, you're probably going to be quite aggressive, perhaps all the way up to 98/2, meaning 98% of your portfolio is in equities/mutual funds/ETFs and 2% is in bonds or cash. To get a better idea of how to diversify your portfolio, take a look at this, and no I don't work for MFS. Also check out some articles on investopedia. Feel free to DM me if you want. https://www.google.com/url?sa=t&source=web&rct=j&url=https://www.mfs.com/content/dam/mfs-enterprise/mfscom/sales-tools/sales-ideas/mfsp_20yrsa_fly.pdf&ved=2ahUKEwiNxdvhhsDrAhVoUN8KHUmWDpcQFjALegQIARAB&usg=AOvVaw1MSfRSQ29nlBlicWKa4uT_

If the windfall is cash, I would just diversify and live your life. Unless you have complicated taxes or unique assets, I don't think a financial advisor is going to benefit you much. That said, some people feel like paying for the service will bring them peace of mind. If that's you, hire someone that clicks with your goals and knows how to stop you from being emotional about the money.

$2 million is not that much on the scale of financial advisors. I'd suggest opening an account with Schwab and using their free services, https://www.schwab.com/invest-with-us/professional-advice Schwab has a range of advisory services, starting with robo-advisors, then their free level with people, and they will even refer you out to independent financial advisors, described here https://www.schwab.com/advisor-network

Ask around with family and friends first. Then you can look here https://www.napfa.org/ and https://www.feeonlynetwork.com/

We use a WM from Merrill Lynch and are very happy with the arrangement. We had been with a Goldman advisor due to a corporate perk type relationship, but were never that happy with the level of service. When it came time to decide to go the DIY route or switch to another firm we treated it like a corporate RFP and solicited 3 proposals from people recommended to us through our network. After the initial pitch we had our own meeting and really liked having an outside “partner” to manage the process. We invited the Merrill guy back for a follow-up and then signed up. Never once have I regretted the decision. As to fee’s, with a reasonable ramp ahead of you you should expect to pay a fee of between 1/2 and 3/4 of a percent on assets under management annually.

A great financial advisor will help you with more than money management. A big part of your future is risk management including insurance (Umbrella and other relevant policies), a will, estate planning, charitable donations, debt management, etc. I never thought about these things until very recently.

Do you have any trusted friends or colleagues who you could ask for a recommendation from? The best advice I received from my godfather was to never hire the lawyer on the back of the phone book. Word of mouth is far more correlated with satisfying professional relationship results.

$2 million is a nice chunk of money to add to your plan. Enjoy it and pay it forward! Quick note- $2MM is still pretty low in terms of AUM so many large fee-only advisors may not be a good fit. My experience has been that most of these are really looking for $25MM and above. Outside of that you get the B team. In the $2MM range, you honestly may be best served working with a Schwab or Vanguard that is geared to a retail investor and has enhanced services for those willing to pay. Otherwise, I would look into something like a local Morgan Stanley office or troll the NAPFA list and start interviewing boutique shops. Take your time and be sure you’re comfortable with the choice. You’re paying a lot of bips to basically monitor your money. You may not necessarily get better returns so be sure they are giving you the advice and ancillary services you are really expecting and be transparent about your expectations before handing over your money. Good luck!

Obviously, every person has their own unique requirements. In my case, I am quite comfortable managing money (i.e. asset allocation and picking the right index funds) while my wife feels less comfortable. When it came time to select a for fee financial advisor, we gravitated towards a woman that she felt comfortable with. Unfortunately, there's still a fair bit of latent misogyny in the FA world so my biggest concern was some arrogant 26 year old bullying her into buying something she did not want or need. Most of the FAs follow a pretty similar script (from my perspective) when it comes to both asset allocation and life planning (long term care, etc.). My understanding is each firm has a playbook that the FAs follow for the most part. Regardless, I would definitely emphasize interviewing every single FA in-depth. Get a handle on the average tenure of their clients (a lot of short term clients is a red flag), if they gravitate towards a particular client profile and how they are compensated. It's a huge pain switching FAs, especially if you have your accounts at their brokerage, so choose wisely. Finally, I would seek out references from friends or peers in your industry.

Controversial. I vote Merrill or BNY Mellon. don’t go anywhere near Bernstein or UBS

$2 m is not worth paying an advisor. You’d be better off with a robo advisor at that point.

Robos can also provide a good middle ground. Rebalancing, tax loss harvesting, low to zero fee options

Open a Schwab account, spread the windfall across SCHX, SCHB, and SCHD. Easy peasy. Or Fidelity and pick some of their funds. Or Vanguard. You likely won't do any worse than any advisor. There's another comment here that recommends Schwab's [Intelligent Portfolio Premium](https://www.schwab.com/intelligent-portfolios-premium). For $360/yr, that seems like a pretty good solution.

NextDoor Chicago offers free financial coaching. Check it out. [https://www.nextdoorchicago.com/]

These might help: https://www.napfa.org/ http://www.letsmakeaplan.org/choose-a-cfp-professional/find-a-cfp-professional/Results/

I have a guy but he's in Northbrook. He's an awesome, independent advisor. My 20-something son went to him and he talked to him about how to invest without paying a lot of fees (by buying directly from mutual fund companies, etc.). If you're willing to go to the burbs, let me know and I'll PM you his name.

i have an awesome contact w/ RCM. pm me.

How general?

[Feeonlynetwork.com](https://www.feeonlynetwork.com) [NAPFA](https://www.napfa.org)

What are "things" exactly? If you need help with investing or other issues, post your details here and we'll tell you what to do. You dont need an advisor.

I have a couple recommends based on your needs. You are welcome to give me a call 484-2018

I'd recommend you use one of these people. They are fee only, which means they don't sell products or make commission off of you in any way. http://findanadvisor.napfa.org/Home.aspx/Search There are lots of sites with lists of good questions to ask before choosing one. Can def help if you need me : )

We have a great advisor at Ameriprise Financial in Midlothian

We have FA's at Wells Fargo. My branch is on Ironbridge

Christopher Davis with Legacy Partners

Antwain Salvatto from New York life is mine!!!!

A good one will tell you to leave Edward Jones ASAP. Use that as a barometer.

https://www.napfa.org/ is a good resource. You can probably learn a lot just reading on here though, and posting specific questions if you feel comfortable.

You should definitely dump Edward Jones, they are far too costly and do not have your best interests at heart. You should be looking for someone who is held to a fiduciary standard. I would ask for referrals or you can look at www.napfa.org for your own.

Edward Jones is notorious for high fees and charges and a good bet is that he's more like a salesman and less of an adviser.

Or, you could start on this subreddit's wiki articles, by reading through the Prime Directive, and then going through the PF Wiki. Links are in the sidebar, and they're free...

There's really no such thing as a "financial advisor." The term is used by salesmen who sell either retirement accounts, stock packages, or insurance packages. They don't provide financial advise: they sell you a financial product. There are estate planners, which provide a service similar to what you may think a financial advisor would do, but they're pricey and generally only used by old people in preparation for death.

Compatibility is key to finding the right financial planner. I am experiencing the services of a [financial advisor lake Oswego](http://www.llwmg.com/oswego-wealth-management-financial-advisor.html) and would like to recommend him to you.

Yes! I have a fee only fiduciary and I don't have a super complicated financial life. So far, $150 has gotten me a few phone calls and emails, including two with plans to help me get where I want to go, and one in-person meeting. It's wonderful to have someone to help you figure out what your next best step is. I was already a good saver, had already started investing, had already bought my place with 20% down. But she has helped me see the things I otherwise would have missed. She's looked at my work healthcare options; she's helped me understand taxes SO much better and has given me a tax plan. She's also helping me think through what my next career move! ​ I will admit that before we met, I was a little resistant. I thought I had it pretty much figured out and was I really going to pay $150 to have someone come in and tell me I was nailing it??? What tipped me over the edge was actually wanting recognition for the sacrifices I'd been making! And yeah, she gave me props for what I'd accomplished, but she's never struggled to give me new advice to move me forward.

I don't. I have an accountant because he charges a reasonable amount and my taxes have been complicated. So, he answers some basic legal/tax questions as they come up with my retirement vehicles, tax payments, etc. But, I've never had a financial advisor. I don't really budget either. I have the anti-budget perspective. In other words, I have a general spreadsheet with ideas of expenses listed so I have a sense of what's left after I save and what needs to come out of that. I update as income or bills change. As I was increasing my savings rate, I kept closer track, but for now I know what I want to save and where I want it to go so I don't need an advisor. or a budget really. I just make sure to make my savings payments and my bills as automated as possible so I know what's left to play with! If you get an advisor, I really recommend a fee-only advisor as others have said.

I don't. I stick with the lazy portfolio (3-fund) philosophy so its pretty simple to manage myself. I can't really figure what an advisor could tell me that I don't already know, though I suppose that might be a scenario of I don't know what I don't know...

Yes. I have a fee only fiduciary advisor. He charges hourly, no commission, no percent of my investments each year. Basically I use him for him to help me with my whole financial picture. He tells me what to invest in, but does not invest for me, and what kind of accounts I should open and how much I should be putting in each year to each account for tax savings. Whenever I have a large purchase or life change-have another kid, get another client, etc., he tells me what and where to put money. He works with attorneys and CPA’s that you can use as well. My financial picture is complicated though. My husband and I own our own businesses and are W2 employees of the business that we own. We also have employees. We also have kids, so wills, trusts, estates, insurance etc. It’s a lot to map out on our own and hard to ensure that all our investment accounts are properly balanced. So far his advice has saved us hundreds of thousands in taxes over the years. His investment advise is simple, all vanguard funds. He is actually what brought me to this sub. His philosophy is very much, save as much as you can and retire as soon as you can. Don’t waste money on fees and account expenses. Live well, but live below your means. He works with everyone from ultra high net worth family’s to single moms that are trying to save for college and his advise to all of them is the same. Having someone who could help me determine what and where to put my money has helped me tremendously. My investment returns have been great as well. Much better than me playing around myself.

What do you expect out of a financial advisor?

I don’t. Because I’ve alaays wondered what they can give me for a fee, what I can’t learn or do myself for free? And the only reason why I haven’t so far is because no one can seem to get me a good answer. “They’ll help you invest” - I’ve done that. “They’ll help you diversify” - I’ve done that. “They have other investment opportunities that you may not be aware of” - Whilst true, I am a firm believer of “if it sounds too good to be true, it probably is” so I’m never going to take advice without doing my DD first. So with all of that, what’s the point (for me)?

Nah. I wouldn't bother unless you have a complicated financial situation. If you are just investing cash in retirement accounts and brokerage accounts it's easy to DIY. You could legit dump everything into a Vanguard Target Date fund and be fine. If you own your own business or rental properties or there are trusts involved, you probably want some mix of accountant, lawyer, and/or advisor. If you do go to an advisor, make sure they are fee only and a fiduciary. Make sure you understand the investments they put you in, and that they are not putting you in funds with crazy fees or things like that. My mom got a recommendation for an advisor through her accountant, and he seems good. They are basically setting her up for retirement. They are consolidating a lot of her accounts (various IRAs, old employer 401ks). They are figuring out her strategy for withdrawing from her portfolio. They also doing a lot of basic sort of planning: budgeting, etc. She is not good at that stuff and couldn't/wouldn't do it on her own. She goes to see him once every couple of months. Her situation was up in the air for a while because she was also getting divorced, but now that that's settled I think she will probably see him a few more times and then not need to see him at all anymore. Or at least, she won't need to see him more than once every few years to check in.

For reference, I don't have an advisor. If you do pick one, make sure they are a fiduciary (meaning they have an obligation to take care of your money vs being just some mutual fund salesperson) What are you hoping to get out an advisor? What are your overall financial goals? Have you already made a complete inventory of all your accounts and their balances? Edit to add: And no, you're doing nothing wrong by posting. As long as you follow the sub's rules about being respectful, you're good. Second edit to add: there is a very comprehensive list of questions to ask a financial advisor before you pick one that was written by someone in the FIRE community. I don't have the link to that handy but will look for it.

You could make a throwaway account and do an in-depth review of your situation on the reddit? Current finances, what you're trying to achieve, and how you're trying to achieve it... That'd be free, and you'd probably need to do that anyway to talk to an adviser.

Yup! Fee-only, fiduciary awesome CFP who's familiar with FIRE and rental real estate. Worth every penny. I'll echo what u/ParcelBobo said as well, that our picture is complicated my multiple businesses, kids, real estate, etc. So getting a good 'team' in important. Our CPA and CFP help us out immensely. I highly recommend the XY Planning Network to help you find a good CFP for you.

We have a great lady that we found through www.napfa.org Napfa is a fee only search site and it's been a great fit for us. We've met with her after we had all our documents in order. She gave us homework to do before eiur next meeting. She also is available to answer questions when we've gotten big promotions and needed quick answers. Highly recommended going through the site!

We don’t for our investing, although we’ve used an accountant for complicated tax situations from time to time. Before going to an advisor, check out the following resources; you may not feel like you need help after reading them, and if you do go see someone you will be educated enough to spot the worst advice. Also check out the FAQ on the main financial independence reddit and the personal finance reddit. Although there is a lot of terrible advice on the internet these are good: [Bogleheads guide to investing ](https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investing_start-up_kit) [If You Can by William Bernstein](http://efficientfrontier.com/ef/0adhoc/2books.htm) [Stock series by Jlcollinsnh](https://jlcollinsnh.com/stock-series/)

I have one that manages my IRA - so he is a portfolio manager that also gives financial advice. I really want to switch to someone else with a lower fee. Sometimes I feel like I'm being ripped off and my IRA would be larger than it is (he is charging around 1.5%) if I didn't have these fees. I’m considering Schwab, but the place I’m with now is a much smaller business. I don’t know that it really makes me feel like I get much more personalized service though.

Have you checked out /r/personalfinance's sidebar? It won't get you to fire, but it's a solid foundation for making sure you're ready to aim towards fire. After that, there are tons of blogs, articles and books with suggestions for pretty straightforward investment strategies. When I was starting, I thought I'd need one, but then I realized they couldn't really help much.

I'm also shopping around for one right now and I think fee-only planners are the way to go. I also would just prefer him/her to give me advice only but I wouldn't let them have access to my investments or capital. Advisors and accountants can enhance your finances significantly.

I do, he is a fiduciary fee-only advisor but he does charge 1% of my investments. A couple of things though, I didn't have one for the first 15 years, I only got one when the company I work for IPO'd which made for a complicated situation. I think it was better to have done it myself for a long time before trying an FA because it made it easier to assess how things were going. Also I kept control of half my assets so I can really see how he does compared to me. He makes about 1% more and that's his fee so basically I get his services for free. Modeling of future plans, advice on a variety of financial issues, etc... But I would definitely say, start on your own. It's way better to become financially literate yourself.

I don't know about any adviser in particular, but a good place to start looking is [napfa.org](http://napfa.org). You want to make sure any financial adviser you talk to has a **fiduciary obligation** to you and that you pay them on a **fee-only** basis. Anyone else is just a salesperson.

I cannot recommend someone specifically in Maryland but my advice would be to shop around. Meet with 3-4, let them know you are looking for a financial advisor and see what he has to say. Ask him to outline a clear plan of what he wants to accomplish and what that will cost you. Then bring all the data back here and we'll analyze it together. Also, whats your net worth and annual income? With an afternoon reading the sidebar you could most likely do it yourself for free.

First of all, make sure you're looking for a fee-only advisor. Avoid anyone that tries to sign you up for something where they get a percentage. For more, see the pf wiki: https://www.reddit.com/r/personalfinance/wiki/financialadvisors

NAPFA.org has a helpful tool to find an advisor that I recommend using. You want to look for a CFP fiduciary who is hourly fee-only. You pay them an hourly rate and they make no commissions from any products they sell you, so you won't be pressured to buy or invest in anything. These are the types of advisors that you should work with, and they're all ones that you'd find on NAPFA.

You could try switching advisors I have one and he's very personal and really sits and listens to all our plans, lifestyle, hopes ,expectations etc..seriously why am I downvoted for my other "advice " post?

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Edward Jones is a fairly common one in the US and pretty trusted

Why do you need an FA to handle your personal options and RSU's? Unless you're talking > 10% of a company there shouldn't be a need to get someone else for SOLELY these equities. Now, if you just want an FA for other stuff and want to make sure they can handle options/RSUs in addition to everything else, that's a different story.

You likely have zero need of an FA. There's nothing really to "handle" with them compared with any other windfall/limited asset.

Do a search on napfa.org and double check finra.org.

My recommendation is get the fuck off reddit for this. This sub especially is a lot of people without a very good grasp on financial reality. I can't tell you how many times the majority opinion here only applies to rent or the cost of goods in Soma/Mission Bay (and even then only in some soulless Archstone type building with attached post college market) while ignoring the rest of the city. It really isn't a good representation of the actual COL in the area. Not saying it isn't high, but people here would have you thinking you need to live on ramen with the occasional luxury egg if you make under 150k. I once got in a very immature argument on this sub because multiple people just could not believe drinks exist for less than $18 anywhere in the city. ​ That being said, for what you're asking start by talking to your bank or even one of the chains like H&R Block. These are pretty entry level questions that can at least be begun with whomever until you can hopefully get pointed in a more comprehensive direction. Also don't listen to me because reddit.

Hi! I’m a CFP (certified financial planner), so I help clients answer these questions all the time. I would recommend finding an advisor who works on an hourly basis, who isn’t affiliated with a big bank or asset manager. NAPFA.org has a filter function where you can search for an advisor based on their fee structure. So I’d recommend looking there and finding an hourly planner who can help you. All NAPFA advisors are fiduciaries, so they won’t try to sell you anything.

The wiki from /r/personalfinance has some good advice: [https://www.reddit.com/r/personalfinance/wiki/financialadvisors](https://www.reddit.com/r/personalfinance/wiki/financialadvisors)

If you have Schwab account, they'll run the numbers with you. I imagine any bank where you keep an account large enough for a down payment will run the numbers with you.

I used [Pixel Planning](https://www.pixelplanning.com/) for this exact thing (planning for future childcare needs, taking time off of work, etc, in figuring how much house we could afford). It was more expensive than what you're looking for (this was a plan for my wife and I, so if you're single I believe it's cheaper), I think we paid around $1,100. The consultation is free, and you'll get sample reports of what you'd expect to get. We found the experience well worth the piece of mind as well as helping us realize we probably needed supplemental life insurance (we were given a number, not a contract to sign), and Mike was really great to work with. He's a fiduciary, and it's a one-time fee, so we felt like we could really trust his advice.

NAPFA.org or XY Planning Network if you're a Gen X/Y person.

r/personalfinance/wiki/financialadvisors

You should read the entire sidebar for free first. You don't make enough to worry about specialty financial advice. I just saved you a couple hundred dollars.

I have a better suggestion, that will save you hundreds of dollars in the short-term, and thousands if not tens of thousands of dollars in the long term. If you are open to learning things yourself, pretty much everything that you could want to know can be self-taught relatively easily. This sub is a wealth of knowledge, and as you go down this educational journey, anything you don't understand you can definitely ask here and you will get help. For starters, spend an afternoon reading through some of the articles of interest in the PF wiki: https://www.reddit.com/r/personalfinance/wiki/ These articles will get you started on the basics, such as retirement, taxes, general finances. As you keep reading, you'll start understanding a lot more. Do this for a few weeks, and in a month you'll be amazed at how much more you know. The advantage of long-term finances is that nothing needs to happen *right now.* You won't lose any significant investment opportunities by waiting a short while until you understand everything. The reason I don't recommend a financial advisor at this point, (particularly edward jones,) is that they end up being much more expensive than they seem, and most of the advice they give you can find for free on this sub from users like me - this subreddit is a wealth of knowledge, and has the combined advice of hundreds/thousands of power users. Good luck!

No to Edward Jones, too expensive for your needs or anyone else’s for that matter.

If you decide you want one, fee only is the way to go. Fiduciary. Try Napfa.org