If saving is going well and you’d like to venture into more complex territory, consider getting a financial adviser, says Cruze. “Find someone local you can sit down with in person,” she suggests. It’s best to get a recommendation from a trusted friend. “You want an adviser who’s patient enough to teach you what you don’t know,” adds Cruze. A couple of things to ask when assessing advisers: “Are you certified?” and “How will I have access to you for questions?” Be sure to educate yourself about fees. Many experts recommend working with advisers who charge flat fees as opposed to those who charge commissions.