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Q.

The Nest Q&A

When do we know when we’re “ready” to have a financial planner? How do we go about finding the right one for us?

A.

If you have cash questions that you can’t answer, it might be time to get an adviser—and no, you don’t have to be rolling in it. Your best bet: Hire an hourly fee–based planner with a CFP (Certified Financial Planner) designation. To find one, check out GarrettPlanningNetwork.com or NAPFA.org. Then interview your top choices. Definitely ask about their backgrounds, availability and payment policies. We have someone who handles my husband’s IRA account for now. Hey, it can’t hurt!