Fee Only vs Fee based Advisors
Once you have realised the need of meeting a financial advisor, if you havent met one yet, you are faced with the big question of how to choose a financial advisor. There are various ways of getting to the one that can help you based on your requirements. Your financial advisor has to be a registered investment advisor (RIA) with SEBI which means he/she fulfills a set of criteria mandated by SEBI. This should fairly narrow out your search. If its not already mentioned on their details, you can ask them directly. SEBI has a list of all registered investment advisors if you want to go one step further to check their credentials. Here's the link: List of Registered Investment Advisors as per SEBI.