When it's time to invest, to whom will you go? To a friend, or a friend of a friend? Broker or CFP? Paid hourly or on commission? The uncertainty of how to answer these questions is often what keeps people from doing anything at all.

Here's a revelation: no matter what kind of planner you work with, there are pros and cons to every choice. There is no perfect answer.

With that epiphany out of the way, I'll give you what I consider to be three absolutes in choosing someone you can feel good about.

Absolutely:
• Interview at least 3 advisors - commission only, fee only and someone who is paid both ways. Give each of them the same scenario of something you'd like to accomplish and compare how each would manage it, from a product and cost standpoint.

• Find someone who has at least five years experience in the field, or who is supported in their office by someone who has. If you choose to work with someone very new, make it clear that you expect that superior's involvement.

• Get all your questions answered before you decide. Never be afraid to keep asking until you're satisfied.

Take A Minute:
Decide - do you have the relationship with a financial adviser that you want?

Make A Minute:
Commit to interviewing new planners or re-interviewing the one you've got, to ensure you're with the right one.

Once you've chosen someone, keep the bond strong by staying involved. A productive relationship with your adviser takes time and attention. Make sure you're doing your part and you'll be in a great position to see that they are too.