If you do not wish to do your own investing or other financial planning, then...1. You should not feel bad or somehow guilty about this. There are some bright, sharp folks out there who have absolutely NO interest in managing their assets or analyzing this mortgage refi option or that estate plan. Their interests lie elsewhere...and2. There are very good and competent advisors out there who will put your interests first. Yes, they DO exist.Your concern with Ameriprise is well founded. I would begin shopping for another advisor immediately.Two places I would suggest you start...www.napfa.orgThese are fee-only Certified Financial Planners (CFP) who YOU will pay (not some 3rd party insurance company) in the form of assets under management or an hourly feehttp://garrettplanning.com/As mentioned by the previous poster, these are mostly hourly only financial planners who also hold the CFP designation (I believe Garrett now requires all advisors registered with them to hold the CFP designation)See if you can locate at least 2 advisors in your area. Call them and make a free appointment. Go to this meeting prepared....write down what it is you want them to do. Examples might be:1. Do you have sufficient assets to retire and continue your life style2. Is your property titled so that if you should die your assets will pass to heirs or if you become disabled, other family members you trust can step in and act in your best interest.3. Your spouse will be financially provided for should you die early4. Getting rid of the most expensive debt5. Is refinancing your mortgage at today's rate in your best interestetcetcAs CFP certificants, they are REQUIRED to communicate to you clearly and all agreements must be in writing, to include all costs, potential conflicts of interest, timelines, who is responsible for implementing what, and so forth. A trip to the CFP Board and what they expect of their members (as well as how to file a future complaint should such a circumstance arise), might be worth your timehttp://www.cfp.net/BruceM
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