We help you understand whether you need an adviser, and if you do want one, how to find someone who will act in your best interest.Here's what to remember:- Many people don't need to pay for financial advice.- Use a "fee-only" adviser, not a "fee-based" adviser.- Consider low-cost options like robo-advisers or Vanguard.- You might need to break up with your adviser — but you can still be friends. - Two online resources can help you find an adviser: NAPFA and Kent on Money.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

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