<prompt> Human: I am turning 34 next month and have done pretty well managing my finances and investments so far I think, but there are some different areas Id like to get professional help with. Or at least a second opinion.For instance, I was going to buy a house, but decided against it because of my job situation. Now I have 80k sitting in a savings account that I was going to use for a down payment, but now is only earning 0.5. I have a 401k, Roth IRA, individual stocks, etc and would like someones help on deciding what to do next with everything.What is the best way to find a good financial planner? I dont want someone that is going to try to sell me stuff. Is the Vanguard advisory service good?  <response>: There is a lot of misinformation on this thread. Fiduciary and fee-only are not interchangeable. Fiduciaries sometimes can also be able to sell on commission. Second, fee-only is sometimes misleading. Fee-only for hourly or flat rate planning is usually very expensive, in the thousands for a plan. The other fee-only meaning is charging a flat percentage rate per year for managing your money. This can actually be the most expensive option in the long run. All of this is meaningless, however, since you say I dont want anyone to sell me anything. All of these people will be selling you something. 