Trying to find objective financial advice can really be a challenge. The fact is, many people calling themselves financial advisors are really just salespeople. That’s why, when you are looking for financial advice, you need to learn where a potential advisor’s loyalties really are. Always ask if the advisor has a fiduciary duty to you, the client. If so, the advisor must put your interests ahead of his own in every situation. If the advisor is not a fiduciary, any products he sells you still have to be “suitable” for you, but he does not have to put your interests first. Fee-only planners do not sell any financial products and are compensated solely by their clients. Since there are no conflicts of interest, clients can be sure they are getting objective advice that is truly in their best interest. My colleague Michael Chamberlain, who like me is a member of the Garrett Planning Network, discusses this important issue in a recent issue of Investment News Daily. To see this article, go to: