Tax preparers who aren't CPAs are usually fine for simple returns, and often charge less than CPAs do. Check your local authorities. Your state insurance commission's office may have information on insurance agents and the companies they represent. Look for fee-only planners. Fee-only planners tend to have fewer conflicts of interest than those who sell investments.
Consumers can narrow the field by focusing on certified financial planners.
The most important thing a planner can do for you is to help you set up your asset-allocation plan. Double-check the financial status of your insurance company. Though responsible insurance commissions aren't supposed to let weak companies practice, some state regulators aren't exactly known for being tough on the industries they're supposed to oversee. Setting priorities 2. Making a budget 3.