Financial Advice Club is not responsible for the content of those sites. Financial Advice Club provides these links for your convenience only but does not necessarily endorse the material on these sites. Financial advice is usually so abstract that we can’t possibly know the good until we suffer through the bad. Had you not made that 35K debt ‘mistake’, you absolutely wouldn’t be where you are now.
Ask the adviser to explain what you’re paying for, how much it will cost and how you will pay for it. If you want to pay by commission, ask your adviser how this will be calculated. Ask if they have ever been censured, fined or otherwise disciplined by a regulatory agency. Also ask for referrals.
Trust is essential when you are forming a relationship with an adviser. Perpetual business has been built on trust for more than 120 years. Trust your rather listen to the advice that they give you — if you do those things your chances of being successful long term financially.