The best advice will ensure you achieve your objectives effectively and efficiently.

The best advisers combine experience, knowledge and an ability to consider the big picture. You cannot deal with financial issues in isolation and the best theoretical/exam answer is not always the best solution for every client.

People matter; often some of their needs are intangible and it is their evaluation of success that counts, not the adviser's.

The difference between good and average advice can be substantial but often difficult to assess without an in-depth knowledge of the subject yourself.

Discussion between advisers can be a great way of understanding the options and achieving the best results; so don't be afraid to get a second opinion. The least you will achieve is confirmation that you are doing the right things; at worst it will show you where your planning is deficient.