Once you're comfortable with the basics, you are then ready to begin the process of locating and choosing a planner, if you decide you need one. Quinn goes on to describe the different types of financial professionals and which one might best serve your individual circumstances. Understanding how professionals are paid is a vital part of the search, because it can affect the advice given. Quinn also includes a list of ways to locate and interview potential planners. Miller lists the various credentials that financial planners can earn from the International Board of Standards and Practices for Certified Financial Planners and what the credentials mean.
All levels require course work and exams in various levels of financial management.
The best way to begin your search for a good financial planner is to talk to your friends and colleagues. If someone you know and trust can give a solid recommendation for a financial planner, check it out. Call the planner for an interview, but don't skip the tough questions. It's your call, but it's also your money. Resources The Certified Financial Planners Board of Standards offers a guide titled 10 Questions to Ask When Choosing a Financial Planner .