[BrokeMyCar]

Hi folks,

We've found a well-recommended financial advisor, but have no basis for understanding the associated costs. Those of you who have been through this (or are advisors!): what are typical costs? I was told to make a plan was free, to implement it would cost between 1-2% of the money they would manage.

I'm not sure what this means, as we're seeing one to determine how much of a house we can afford (i.e., will have considerably less money to manage in 6 months than we do now), how to best handle stock options and money that's sitting in bank savings accounts, and if there's any advantage to waiting until next year to get married officially. 2% yearly would be quite a premium, no? Can they really outperform ING savings accounts by that much? (my 401ks certainly haven't)

What if we decide all we want is the plan? Isn't that kinda rude - what would be the best way to compensate them for their time in that case? We're meeting with them next week, and I'd appreciate thoughts.

Thanks,

Babak