> In terms of getting good advice, accept that money will have to be on the table. People have to make a living, and if there's nothing to gain, then why should

> In terms of getting good advice, accept that money will have to be on the table. People have to make a living, and if there's nothing to gain, then why should a good professional waste their time? My hunch is that a good financial advisor will be happy to take a lump sum consultancy fee, rather than a percentage management fee, just to give you general advice - especially one that knows their clients are your friends and will react to any stupidity the financial advisor says. Perhaps if OP consults a sworn fiduciary? I've not much experience with either of these, but theoretically a fiduciary is supposed to legally act in your benefit at all times where as a financial advisor isn't really. I have no idea, though. I don't have much money. This is something I read somewhere.