[BigAl_SC]

When looking for a financial advisor, find one that is fee based only. They charge by the hour like lawyers but make no money investing it for you (most even route you through several independent houses like Vanguard). They will do a whole life analysis the first time. Most large cities have at least a couple. They usually only handle clients with 500k or more. Check references before committing. If they can't give you 5 independent people to call, move to the next one. They will cost more up up front then a yearly review (smaller cost) to check and realign the diversity and changes to life but they aren't trying to hit you for either a % or transaction fee. I don't have that type of coin (wishful thinking) but know of several that do.

As stated before, insurance (commission based), broker (commission based and bonus's for routing you the way the company wants), financial advisors (most are commissioned based). If they are making money by moving yours look elsewhere.