Let´s talk about money … your money. You make some. You spend some. You save some. You may know the basics of money management, but you need solid, professional advice to get the most out of your money.

If you watch TV, some companies want you to follow their magic green line. Others have online trading sites that look more like pinball machines. Another company says money management is so easy, that even a baby can do it.

Sound financial advice is as important to your overall health as good medical advice. So, how do you find a good financial advisor?

Personal referrals are a great place to start. Talk with your accountant or your attorney. Ask your friends who they use. Find a listing of the certified financial planners in your local area. Check out advisors’ websites to get a feel for their experience and character. Next, setup interviews. You can tell a lot about an advisor by the kinds of questions they have for you. Ask an advisor to provide references from satisfied clients. Explain that you’re looking for a proactive advisor who comes to you with new ideas. Most of all, you need someone you can trust with your money and with your future.

Once you’ve selected an advisor, they’ll take you through a questionnaire to better understand your goals, time lines, and investment attitudes. When your advisor knows you and your objectives, they’ll create an action plan. With your approval, they’ll implement and manage the plan with you.

The financial markets are unpredictable. No advisor has a crystal ball to see the future, so it’s better to take a long view of your progress than to chase short term results.

Advisors want you to reach your personal goals. Their expertise and commitment to your success can make a big difference in your finances and your life.