I want to find a financial professional (that is not a bank trying to sell loans and such and that is not consumer credit counseling) who can help review where we've been, help us see where we are, and help us with a financial boot camp to help us get to where we need to be. I don't know if an Accountant or Financial Planner or Financial Adviser is the right person...We have money issues, and need some outside help, it's clear that we can't get out of this cycle ourselves.
|||First see if any friends, family or coworkers in your area would personally recommend someone based on experience. As you mentioned it's probably best to stay away from a commission based advisor (insurance, bank, broker) and try to find someone who is fee based. They would be motivated to help make your savings/investments grow over time and not just be trying to sell you a product. Try to find a good CFP in your area, they are required to go through quite a bit of training and ongoing education to maintain their certification. I included a link for your reference.|||I suggest two things, first read The Total Money Makeover by Dave Ramsey. His book will teach you how to get out of debt, why you should be debt free, how to grow wealth and how to create and work within a budget.
Second, go to his website (link below) and find a financial counselor in your area that is endorsed by Dave. You could also find a financial planner by clicking the ELP investing link.
We have been using him for 3 years and Dave has great common sense (that isn't very common any more)!
Good luck!
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