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Q. My wife and I keep hearing about the importance of using a financial advisor—but we don't know how to find a good one. None of our friends have any references, so we're at square one. And are they really that important?

A. Getting a financial plan is like planning a trip. You need a roadmap to reach your destination. A financial plan is like a roadmap that will help you achieve your financial goals and show you how to accomplish them.

The key to effective financial planning is to take into account all aspects of your financial situation. A financial planner is one who can help you: plan for retirement (it creeps up quickly), save for children's education, save for a house, or simply put your finances in order.

Finding the right financial planner is extremely important because your choice will probably affect your financial future. It's important to look for a certified financial planner (cfp)—they have the highest level of professionalism in providing financial advice. cfp standards include requirements in education, examination, experience, and ethics. (For one in your area, contact cfp Board of Standards at 800-487-1497 or www.cfp.net).

Interview more than one candidate. Ask about their experience and what services they specialize in. Find out how they're paid—through commissions, salary, fee-for-service, or a combination. 

Your initial consultation should be free. For that appointment you'll need to take all pertinent paperwork that shows your assets and liabilities—that includes retirement and income statements, social security benefits, bank account statements, 401k statements, pensions, and properties you own.

With this information, you and your financial planner (the objective party) can design a specific financial plan for you and your family, which will get you on the road to financial success and stability.

Shopping for a new car? Try looking for a pre–owned vehicle and save money.

A certified pre-owned vehicle refers to a used automobile that's been inspected by a factory trained technician and has possibly been reconditioned to meet certification standards. The inspection usually includes exterior and interior, electrical systems, ac/heating unit, road test, tires, under the hood and vehicle, safety features, and a vin (vehicle identification number) match.

Once the vehicle has passed inspection and any needed repairs have been made, it will receive certification. Certified pre-owned vehicles should come with a warranty.

The benefit to buying a certified pre–owned vehicle is that you save money and have the peace of mind the auto is in good working condition. Many times dealers offer incentives on certified pre-owned vehicles.

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