Financial Advisor: Waste of Time or Actually Helpful?

This question was submitted by member mscales27 in our Ask Savvy group.

I am looking to really get my finances in order in 2010. There are a lot of things that I want to save for but I also have some credit card debt that I would like to manage. I'm considering going to a financial advisor or a service along those lines. Has anyone had any good/bad/neutral experiences with these services? Or am I just wasting my time and even more money by having some help me with finances? Thanks!

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