Start with friends, coworkers or neighbors. Find at least three prospects, then talk with them. Most planners won't charge for a brief meeting to see whether the two of you are likely to be able to work together. During those meetings, present your financial situation, talk about what you need or want to accomplish. You will soon know who is best for you.
Many people call themselves financial planners, but are really out to sell insurance or securities.
Look for someone with some letters behind their name, in particular ChFC or CFP . These people will have taken courses, passed exams and have at least three years of experience. The designation ChFC stands for Chartered Financial Consultant and is given by the American College in Bryn Mawr, Pennsylvania. The designation CFP stands for Certified Financial Planner and is given by the College for Financial Planning in Denver. It's also a good idea to look for a fee-only planner .