There is a lot of confusion when it comes to financial advice. What's the difference between someone that works for an insurance company, bank, or brokerage house? Or an independaent like myself? Well the most important question to ask anyone that you are thinking about working with is whether they are a fiduciary. Id so, they MUST, by law, place YOUR INTEREST FIRST. Often, this will help you determine how they are compensated. If they are willing to show you exactly how they are paid with full transparency on every potential transaction then you can decide whether to trust them.