I want to share with you the perspective of Lon Jefferies, a Certified Financial Planner™ (CFP) in SLC. He makes the point that anyone can call themselves a financial advisor, but most are salespeople earning commissions. If they stand to gain (be paid a commission) when you buy the products they recommend, how objective can they be? read Mr. Jefferies advice at: http://utahfinancialadvisor.blogspot.com/2012/12/is-your-financial-professional-truly.html