I usually don't trust financial adviser's since 99% of the time i think they are going to sell you on whatever they are going to get the biggest fee, kickback or percentage. My wife used the same financial adviser's as the rest of her family and when her dad passed way she got some money and he sold a 17 year old on a annuity. I find out later he gets much larger commission from the annuity issuer than say a mutual fund issuer. Which she would have made more of a return on. Plus it being only 5,000 i cant imagine very many adviser's caring too much to deal with it.