Financial advisors typically work off commission and push particular funds and strategies out of self interest. If they were good at investing, they most likely wouldn't be working a job. I'd personally recommend that someone invests into vanguard funds until they actually understand how to invest. As far as seeking advice, I'd personally find someone who lives off their investments.
@Not_Average A finical advisor is good starting point. You should always get your info from as many sources as possible. I don't think many people know how a 401k works and build their retirement around it. So I'm quick to warn people away from them. Simply because the fall out of a economic down turn or a company running into finical issues, can provide a hard lesson that should be avoided.
That's fair. If they do go to a financial advisor, they should definitely go to a fee only advisor rather than one who's based upon comission. I saw my dads 401k plan, and his company advisor had him on the shittiest funds with high fees throughout his entire career, and I hear this story all the time. So I remain cautious around and warn people about their practice.
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