Define the problem first
Investment advice, budgeting help, insolvency, tax planning and debt negotiation are different services.
Ask how the person is paid
Fees, commissions and referral arrangements can create different incentives.
Verify regulation
Use the regulator or professional body's official register where applicable.
Avoid urgency and guarantees
Pressure to transfer money or promises of certain returns or debt elimination are warning signs.
This page provides general educational information. For a real agreement, dispute, court filing, estate matter, debt problem or authorization document, check the current rules that apply where you live and obtain qualified advice when the consequences are significant.