Having an expert on your side is always a good idea. The right financial advisor can make the difference between a comfortable retirement and not being able to retire at all. Be careful to do your homework when selecting an advisor. Anyone can call themselves an advisor, so make sure they have the right credentials. At a minimum, your advisor should be a Certified Financial Planner (CFP). This status is awarded by the Certified Financial Planner Board of Standards and must be maintained by the advisor through ongoing education.