Do not use a regular financial advisor, financial planner, CPA or accountant.

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Did you consult a financial planner or advisor or an accountant?

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Lost on them are the distinctions between types of advisors such as Registered Representative and Investment Advisor Representative, between Certified Financial Planner and Certified Financial Analyst, and between firm types such as Broker-Dealer and Registered Investment Advisor.

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Tax advice and estate planning are two examples of financial advice where an advisor or planner can add real value.

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To earn the coveted designation of Certified Financial Planner, for instance, an advisor must pass a grueling series of tests.

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According to a survey by the Cerulli Associates consulting firm, at least half of U.S. households do not use a financial advisor, broadly defined as a stockbroker, a fee-only planner, a bank trust officer or an insurance agent.

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