How to stay out of a financial rut? Here are five ideas to ponder as you steer toward hoped-for wealth: Pick your adviser carefully. Since you and your planner will embark on a financial relationship, you should know exactly what you're getting into. Outfits such as the National Association of Personal Financial Advisors can help you, but do some research yourself. Here's an important question to ask: Does the adviser have a creditable auditor?