Quality financial advisers will help you set financial goals and create a plan to achieve them. The challenge in selecting someone is working out whether you are getting good advice that helps you achieve your goals. 

Buyer beware
Some advisers are focused on selling investment products and receiving sales commissions. Their advice might end up leaving you worse off.

So how do you avoid this? The most important question to ask a financial adviser is how they get paid

You need unbiased financial advice
People are motivated by financial incentives.  Advisers are no different. If they are receiving commissions for selling certain products, this is likely to drive the type of advice you receive. 

The collection of articles in the Guide to Financial Advisers section describes how financial advice works to help you get value for money.

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General advice disclaimer
This is general information only and does not take into account your personal objectives, financial situation or needs. You should assess whether the information is appropriate for you having regard to your objectives, financial situation and needs and consider obtaining independent professional advice before making an investment decision. If information relates to a specific financial product you should obtain a copy of the product disclosure statement for that product and consider that statement before make a decision whether to acquire the product.

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