<prompt> Human: My wife and I are both in our late twenties. We have a house and a 239,000 mortgage. We have a small amount of money in our tax free savings account 6000 that is just sitting there not doing anything. My parents have recommended we go see their financial adviser who is a guy with Edward Jones Investing. Can anyone confirm that this would be a good idea, or if we should just talk to an advisor at the bank. We are going to contribute 600 monthly to our investing as a long term savings plan.  <response>: Edward Jones charges horrific fees theres a reason Edward Jones is one of the best places to work at, and your bank is likely just as bad. Financial advisers are usually salesmen trying to get your money, not people with your best interests at heart. Youll want to check if your adviser is going to act in a fiduciary capacity they are virtually guaranteed not to be. You dont need an advisor; check out the FAQ.If you absolutely feel you need an adviser, get a fee-only advisor. You can find a list at napfa.org. 