<prompt> Human: I made an appointment to speak with a friend of mine who is a financial advisor. Hopefully, because hes a friend, he wont dick me over. Just in case, what should I be leery of?  <response>: Bad investment advice and fees. Take some time to read up long term investing theory on your own. Also, make sure you understand 100 how the investments your adviser is recommending work. Never invest in anything you dont completely understand and agree with. Make sure he is willing to teach you why what he is telling you is good advice, instead of just you should put all your money here and I dont have time to explain why to a simpleton.Make sure any fees are reasonable. A lot of firms ask for steep fees like a 5 front load of any money you invest through them, and this is on top of whatever fees and expense are part of the underlying investment. Dont do something like that. Chances are there wont be much advice your adviser will give you that will be different than what youll find on the bogleheads wiki anyway. If he starts talking about whole or universal life insurance, and you arent making silly amounts of money, thats a good sign dude is more of a salesman than an adviser. 