Before making a final selection, be aware of the various methods of charging fees that planners use. Once you’ve made your choice, do a background and credentials check. Ask to see the planner’s Form ADV. If the advisor is a stockbroker, you’ll also want to check the Central Registration Depository (CRD) records as well. If they’re a lawyer or accountant, check your state’s board associations for those particular professions. And last but certainly not least, contact the Better Business Bureau for any complaints that may have been lodged against the planner.

Be thorough in your search. Do your homework. Your money’s worth the effort to find the right financial planner to help you reach your goals.