CHOOSING A FINANCIAL ADVISER (AS REPORTED BY PAUL SULLIVAN ON WWW.NYTIMES.COM)

Not everyone needs a financial adviser, and not everyone can afford one. But if you should find yourself in the position to hire someone to manage your money, or at least offer advice, it is important to know whether or not they are the right person for the job.

When it comes to your money, trust is crucial. You want someone who has your best interests at heart, of course, but also someone with a proven track record of successful money management. Ask for credentials and find out the details of their experience with other clients, how long they’ve been in the business, and why they do what they do. This can help you weed out those that are under-qualified or in it just to make money.

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