Wherever you get your investment advice from, remember that you don't have to take the advice of anyone if you're uncertain about it or simply disagree. This includes high-priced advisors and brokers who might threaten to drop you if you don't listen to them. Let them; there are other fish in the sea.

If you decide to hire a financial advisor to give you investment advice, remember that advisors come in a number of flavors, some more qualified than others. While you can't just declare yourself a financial advisor and hang out a shingle, the requirements aren't too rigorous for some accreditations.

Many professionals who offer investment advice will be happy to visit with you for free on the first visit. Take advantage of this willingness to get to know several potential advisors, at least, before you commit to any individual. They may all be good, but you need to find someone who clicks with you.