Your bank or credit union is a good place to start when looking for inexpensive investment advice. Keep in mind, however, that most financial institutions have a stake in pushing particular stocks and funds, and consider carefully before taking them up on a particular offer.

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.