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Hi Needhelp17!

I'm so glad to see you're getting some very Foolish suggestions here. I don't have much to add here except that I'm a firm believer in what TMFVenus said in her post:

The most important thing is that you want to make sure the financial advisor is working for YOU, and not for a commission. Therefore, it's best to find a fee-based financial planner -- one who charges you by the hour, and will not be selling you products. Also, look for an advisor who has the Certified Financial Planner (CFP) designation. You can find a list of fee-based planners in your area at the site of the National Association of Personal Financial Advisors (NAPFA):

In my opinion, this point alone will serve you well. :)

Best,
Tony
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