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Financial Consultants are never objective unless the objective is to make money for themselves. Find one you can trust and really understand what he is telling you. Insurance is NOT an investment its insurance. If you don't know anyone try a discount broker like Fidelity or Schwab. Watch your statement track fees, performance, and don't be afraid to move your account if thing don't workout. CFA's are no guarantee to better performance I'd rather have the backing of a strong institution so good luck.

Any financial planner/consultant is going to make commission on what they do for you. you either need to just search for a reputable company that you can trust, or talk to an accountant or attorney. they could give you some direction while still being objective because you'd be paying them for their objectivity. they wouldn't be giving you advice based on what commission they'd be earning.

Look at reference from the Certified Financial Planner Board of Standards. Then, find a Certified Financial Planner (CFP) who offers «fee only» planning, not paid by commissions. Start reading Kiplinger Personal Finance and Money magazine. Kiplinger had a great article earlier this year on this.