If you are looking for a financial planner (or advisor) do yourself a favor and don't consult with a free one. The free advisors are never free. Do you think they don't need to earn a living? The fact is they may earn a healthy living selling you too much insurance and mutual funds with front or back-end loads. Some financial advisors (or planners) will only charge you $1500 in fees to do up a full plan and get you the very best investments and the minimum insurance, they will also look at wills, trusts and children's needs. Meanwhile the "FREE" advisor will do a quicky plan and advise you to buy such and such and in the process earn $5000 or more. Then you end up getting too much insurance and dopey investments that don't perform. Nothing is free in life and the more you cheat yourself in the financial area the more you will end up being taken for a ride. Be kind to yourself and your family and hire a trustworthy fee advisor.
Scrooge.
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