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I have savings and excess income. Is it time for me to find a financial advisor?
Others have mentioned the term fiduciary but haven't really gone in to what that is. Despite the name "financial advisor" there is no legal (In the US) mandate as to what that means.  Often times a financial advisor is little more than a sales rep whose job it is to sell particular financial instruments.  These people will give you good generic advice such as "make sure you have a nest egg" and "don't spend more than you make".  However when the rubber hits the road in terms of how to save they will often recommend/insist/pressure a particular asset/security which doesn't necessarily meet your risk/reward preference/tolerance.  Often times the assets they pitch have high fees.  These people won't charge you for their time because their time is a loss leader for the commissions they make on selling their products. In contrast a fiduciary's job responsibility is to look out for your interests.  They shouldn't receive any kind of payment based on what assets you buy.  This means that you have to pay them for their time. The NAPFA website seems to have good ideas on choosing an advisor. http://www.napfa.org/HowtoFindAnAdvisor.asp