Ensure you see a certified financial advisor so that you will be getting expert advice. What you don't want is getting someone's opinion which is not certified. Most certified financial advisors will charge based on your needs. Typical rates are $150-$300 per hour. Of course, the chargeable rates vary based upon location, experience, expertise, and the current competition. For example, you will generally pay more for a certified financial advisor in a major city such as New York City or San Francisco, but less in a rural town.