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Choosing a financial planner is like choosing a good doctor. We want someone who's highly trained, professionally licensed, completely ethical and has your (financial) best interests at heart.

And coming out of the recession, many people are hungry for financial help. They're trying to figure out how to save for college, medical expenses, retirement and other major life events.

The number of Americans with no personal or retirement savings has ratcheted up from a year ago, according to a recent Harris Interactive poll. It found that 34 percent of adults had no retirement money stashed away and 27 percent had no personal savings, as of November 2010. That's up 4 percent and 5 percent, respectively, from the previous year.

  • Check the Credentials
  • Credibility: Ask Questions
  • Go with someone who's fee only
Read more:

"We recommend Dave Ramsey.  He is a well known and highly respected financial guru.  View his bio and tips at: Cottam Insurance Services has been chosen as his 'Endorsed Local Provider' for insurance products."

Posted 2:12 PM

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