Looking for a financial advisor? 

If so, there are two big things you need to know...

1)  The Fee-Only Difference
Are you talking to a fee-only advisor?  Or is it a commission-based or fee-based advisor that earns money by selling you investments and insurance products?

2)  The Fiduciary Difference
Does the advisor act as a fiduciary?  If not, then be aware that the advisor is not required to put your interests first.