Financial advisors help people make sense of money decisions that are hard to untangle alone, such as planning for retirement, organizing savings and investments, preparing taxes, and passing assets on to family. Many businesses in this list also offer help with federal and government-related benefits, including retirement systems and savings plans, so ask whether an advisor works with those specifically. When choosing one, ask how they are paid, whether it is a flat fee, an hourly rate, or a percentage of assets, and request that they put their fiduciary status in writing. Schedule a first meeting before a major decision like retiring or changing jobs, so there is time to review your options.
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