OIs there a conflict of rates? Generally, conflicts of interest are eliminated by avoiding salespeople who receive commissions. By working just with advisors who are paid through management fees and not commissions you may make sure their interests are aligned with yours.
Baby Bear - Baby Bear can be a self-directed company that establishes your retirement plan (e.g., IRA, 401K) whereby you serve since the own fiduciary/trustee. Now, you control your retirement checkbook and can invest because see squeeze. No more annual fees as you pay a one-time fee for your plan.
Identify why work debt - Causes - Until you identify how exactly why you are in the red you will either not come out or when you come out someday, you will quickly dive back to barefoot jogging. Are you there because you are impulsive