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Making investment decisions is an important part of your financial life. Unless you’re willing to devote your time and energy to studying the various financial products available, you’ll need to find an investment firm to help you out.

Federal and state securities laws require investment firms and their brokers or advisers to be licensed and registered. Quite a bit of information is available through the SEC, the Financial Industry Regulatory Authority (FINRA) and state regulatory boards. Once your online investigation is complete, you’ll need to meet with the investment firms that you are considering.

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No matter what you do for a living or how much money you make, saving and investing for the future is essential.