Two of the most abused words in the English language are “financial planner.” Be warned that a number of professionals wear that title even though they shouldn’t--like insurance agents and stockbrokers.
When looking for a personal financial advisor, find one who accepts no commissions from product sales. Pay by the hour, a flat fee, an annual retainer, or a percentage of your assets.
Interview the person (this appointment should be free) to see if it is a right fit.
Consult as many sources as you can including those that can be found online.
However, if you find yourself unable to pay your bills, don’t hesitate to confer with a nonprofit credit-counseling agency for free or low-cost. Consider applying for public programs, also, to get over the hump.
For more, check out 50somethinginfo.com.