An important characteristic of a successful physician is self-discipline, but when it comes to investing, many don't have the time or know-how to get their finances on the right track. For many physicians, seeking professional help is the best solution to this problem. However, hiring a financial advisor does not always benefit a physicianinvestor's situation. According to a recent article in the Wall Street Journal, you need to put in due diligence to avoid crooked or mediocre advisors who will make you wish you kept your savings stuffed under your mattress. The Journal recommends pursuing fee-only advisors to ensure they have an incentive in the advice they give you. Stick with certified financial planners or those who have qualified to be chartered financial consultants, chartered financial analysts, or certified public accountants. It is also important to make sure that your advisor is committed to assisting you with other areas in your life, such as your mortgage, college costs, insurance, taxes, and estate planning. The following Web sites are a starting point to find an advisor who best fits your needs: www.cfp.com, http://pdpi. nasdr.com/pdpi, www.feeonly.org, or www.garrettplanningnetwork.com.