An adviser’s certifications indicate their specialties, level of training and scope of work. But with so many different credentials and job titles, it’s easy to get confused. Look for a Certified Financial Planner (CFP), a Chartered Financial Consultant (ChFC) or a Personal Finance Specialist (PFS) who specializes in retirement planning. If you just want someone to manage your investments, ask for a Chartered Financial Analyst (CFA) certificate. If you’re retired or nearly there, Retirement Income Certified Professionals (RICP) specialize in helping people make the most of the assets they have already generated. There are many more specialized options out there — for example, a Certified Public Accountant (CPA) focuses on taxes — but any of the above will suit the needs of most people. Don’t try reaching out to a Chartered Retirement Plans Specialist (CRPS); these professionals operate retirement plans on behalf of businesses.