The new year is a great time to get your finances in order, and one of the first priorities should be figuring out what you expect from your financial adviser. Planners say the first step is getting a comprehensive financial plan which will lay out direction and expectations. That plan should be reviewed regularly – at least once a year. Your adviser should give a full explanation of fees and costs before making any transactions, and you should feel comfortable saying “no” to any recommendation you’re not comfortable with. Make sure your adviser is objective – and has access to a wide variety of financial products. You should be sure any recommendation is based on what’s best for you, not a big commission. Make sure your adviser speaks to you in language you understand., not financial jargon. And finally check their credentials. You’ll want to hire someone with a designation like certified financial planner or registered financial planner.