Financial advisers help manage money, investments, estate, retirement, and taxes. They work in various settings like workplaces, banks, mutual fund companies, brokerage firms, and insurance companies, with different fee structures. Wealthy investors may use investment counsellors paid by fees. To find a good adviser, seek recommendations, verify credentials (CFP, PFP, CH.F.C, RFP), and interview multiple advisers. Keep records and know complaint options. Some investments warrant professional advice, while DIY investing requires time and education.