IN NEED OF A PLANNER?

Working in a busy medical practicedoesn't leave a lot of time tokeep up with your financial affairs.But running a medical practice islike running a small business, wherepotholes on the road to financialsecurity abound. When your financialplanning gets too complicated,you may want to get help from aprofessional. Some financial plannersare compensated by commissionson what they sell you, which isfine if you know about this arrangementand are comfortable with it.Commission-based planners, however,may have a bias toward financialproducts that pay them highercommissions. A fee-only plannerwho charges by the hour may be abetter choice. To find one, checkwith the National Association ofPersonal Financial Advisors (800-366-2732; www.napfa.org).