<prompt> Human: Ok, obligatory follow-up post. I posted this as a comment on that thread but it kinda got buried there.So we spent about 2 hours with this guy. Like I thought, this was just a get-to-know-you session, where we talked in general terms about where we are financially and where wed like to get to.He said hes not looking for us to sign some formal agreement with him, so it sounds like were not going to really be committed to anything. And a lot of the kinds of things that he said he wanted to look at with us, at least to start with, dont even seem like theyd give him much of a return - stuff like making sure our insurance is appropriate, our tax returns are where they should be, looking at our 401k options and that kind of thing. So if hes scamming us, its definitely a long con.His philosophy also sounded about right; he talked about making baby-step improvements, not trying to make all kinds of money. He talked about making sure were protected before we start looking to invest majorly, things like that. He said it will probably be a year or two of making sure were spendingsaving as efficiently as possible, and making sure were well-protected. And then we can start looking more at slightly more aggressive long-term investments.So...I think this guys legit. I think that his firm makes a lot of money of the high-rollers, and is able to just find ways to give good advice to us more middle-classers. And if he starts making more demands, wanting us to sign things, I can take a step back and re-evaluate. Right now, all hes asking is for us to fill out what he called a questionnaire, to give him more details about where we are at. Assuming hes not getting ridiculous, like asking for bank account numbers and such, Im inclined to do it.Thoughts?Assistant: Did you ask if hes advising in a fiduciary capacity i.e. in your best interest? If not, you should.Human: He didnt use that specific phrase, no.Assistant: Ask directly next time. If he says yes, ask if he will put it in writing. If he demurs he is not trustworthy.Human: I guess Im wondering, if Im going to be double-checking everything he tells me anyway, what does it matter? Honest question, if naive.Assistant: If youre going to double check everything, why are you paying your FA?Human: Err, Im not.  <response>: Then at the least you are wasting your time. And you probably will be paying him indirectly if you buy into any of the products he recommends or that he will recommend in the future. Your advisor being paid by referrals is most likely a fantasy. 