For a truly unbiased look at your finances, hire a fee-only financial adviser that you pay by the hour.

These folks don’t have a conflict of interest. In contrast, most conventional advisers earn their incomes from selling you mutual funds and other products and have a built-in bias as a result.

While fee-only advisers charge $200-$300 an hour, they can be cheaper in the long run than conventional advisers. And they’re certainly more objective.

Click here for a list of fee-only advisers in your area.