On mobile and this is a cut and paste:

If you're paying for financial advice, you want someone who will put your interests first, not their own. So it's important to be specific when asking about whether or not a prospective advisor is a fiduciary, since advisors can be dually registered as a broker (only subject to the suitability standard) and a fiduciary.

Someone is almost certainly working to the fiduciary standard if they are a certified financial planner (CFP), registered investment advisor (RIA) or fee-only advisor, explain Olen and Pollack.

To be sure you're getting the best advice, "You need to ask and ask quite specifically: Do you work to the fiduciary standard at all times?"