The Garrett Planning Network ( www.garrettplanningnetwork .com) isn't the only place for the less affluent to find financial advice. Some others:
* The Alliance of Cambridge Advisors ( www.cambridge advisors.com): A nationwide group of advisers targeting the middle market.
* www.myfinancialadvice.com: Advisers with credentials such as certified financial planner charge up to $400 to solve problems on an hourly basis.
* Paladin Registry( www.paladinregistry.com ): Prescreened, fee-based advisers that can be rated online by clients.
* National Association ofPersonal Financial Advisors (www. napfa.org) or the Financial Planning Association ( www.fpanet.org ): Membership groups of advisers who typically see higher-net-worth clients, but many help less wealthy folks on a case-by-case basis.
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* Big financial services firms such as Thrivent Financial for Lutherans ( www.thrivent.com ) and Ameriprise Financial ( www.ameriprise.com ): Advisers will work with middle-income clients, but if you're told itdoesn't cost anything for their advice, be wary, because many are paid through commissions on products they sell. Be sure you understand exactly how much your investments cost and exactly how your adviser is compensated.
