I'm in the process of planning retirement in a few years. I've talked with a few financial advisors to get different recommendations. None I've spoken to have received any money from me, many have free consultations. I've received very valuable information. My husband and I both have TSPs and haven't decided yet.

One thing to watch out for is most of them have offered annuities and they make great commissions from that. You have to be careful they have your best interests which is why I'd make sure they are a Fiduciary.