Bangalore: Most often we are wrapped up in a busy schedule that leaves us with no sufficient time to view our finances. And then we go on a hunt looking for someone to help us manage our money. Most often irrespective of the lack of time or improper research we feel the need for a professional opinion and we think financial advisors can be convenient and helpful. Choosing a financial advisor is a big decision. Because most often these financial advisors are more interested in making a sale rather than helping you set your financial future. The worst aspect of bad financial advice is that it typically is discovered after the damage has already been done. Your Advisor Is Confusing you The financial advisors are responsible for helping individuals organize their finances. They should provide complete assistance in debt reduction, investment direction and management of wealth and investments for the short-term and long-term future. He should know how the financial market works and should be able to explain its functioning clearly. He should be able to communicate effectively. He should clearly state to you the risks and costs involved, especially if he's paid on commission. If you find notice your advisor lacks the proper knowledge and unable to communicate to you clearly, you need to take a smart decision else your financial life will suffer.