<prompt> Human: Hey PF, I had an introductory meeting today with a financial planner recommended by an old co worker of mine. She is currently one of his clients - I wanted to get your take on them, opinions and recommendations.Questions:- He explained that I do not pay him directly, but he makes a percentage of the amount of money that he is managing growing - and that comes from his agency. Can someone ELI5?- What are you experiences with them - do you think they are beneficial to have? - He is also recommending that I get life insurance, but I am weary of that and wanted to see if this is something I should stay away from, as I want him to help manage my IRA, Brokerage account and be someone I can go to for guidance and help.- Give me any other opinions or recommendations.About me: 26, working as a producer at an advertising agency, I make just under 100k, have long term goal and short term, I am a big saver - if you have any other questions please ask. Zero debtloans etc.Thanks PF!  <response>: Theres an FAQ item about financial planners specifically, and another on life insurancePersonally, I would ditch the guy. Life insurance is in almost all cases not an investment, and unless you have dependents who dont have their own income, it probably isnt helping you reduce risk.The FAQ has many articles on where to start, and there are many other free resources online which can help you make better choices and give better advice than that planner. 