"Honesty is very Expensive gift. Do not expect it from cheap people" - Warren Buffet
Selection of a wrong architect, doctor or mechanic will show signs may be in a week or a month or at the most in a year or two.
But realisation of wrong advise happens only after 10 ,15 or may be 20 years and beyond, by that time you can't do more then regretting or blaiming your luck.
So, instead of saving few bucks, look for a qualified professional advisor. Who should only be concerned with your goals, your needs, your expenses , your asset allocation and your risk profile, and not swayed away with fancy of some products or asset classes.
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