
Be aware that your financial advisor can and will "fire" you if your investments do badly or if you're difficult to work with. Most advisors, especially busy ones, don't have the time or energy to waste on annoying clients or poor performers, so it behooves you to take it easy and listen to their advice.

If you can't find a good financial advisor on your own, contact the National Association of Professional Financial Planners (NAPFA) at http://www.napfa.org. They should be able to provide a list of fee-based financial advisors in your area for you to choose from.

There are plenty of times when you will need to call on a financial advisor. Call on them to manage your money from the beginning. Call on them to manage your new home purchase, your new business acquisition or even just for planning for retirement. These are individuals to call on for any large or small financial decision.