A third of all Americans say having enough money to support them throughout retirement is their No. 1 concern, a poll revealed last week. As Baby Boomers and Seniors alike try to repair their recession-damaged nest eggs, they have more need than ever for a financial advisor. But how do you separate the truly helpful from the potentially harmful? These tips make a good starting point for consumers hunting for an advisor: do your own research into a prospective advisor’s background; don’t rely on professional designations; never buy an investment you don’t understand; and, perhaps most important, know what your goals are.