When it comes to investing, keeping fees low is one of the few things that investors can control, and over time can make huge impacts in how much you have saved. Keep it simple and invest in low cost index funds and avoid commission-based advisors. If, after doing your own research still need help, putting up some money to buy a few hours of a fee-only financial advisor's time to answer all of your questions and help you set up your porfolio and IPS is the way to go. Make sure to go with an advisor that had a fiduciary duty to put your interests first (legislation in the US is out now that makes this standard for retirment accounts, but you can still get taken advantage of when it comes to non-retirement accounts) so that you are funding your retirement and not the advisors! If you still just want to go with a commission-based advisor for some reason (maybe you just want constant advice and not have to pay by the hour), avoid insurance companies like the plague (heh, high fees!), and look into low cost options like Vanguard Advisory Services.

Or just chuck it all into a robo-advisor (Betterment, Wealthfront, Wise Banyan, Schwab Intelligent portfolio, ect) or a target retirement fund at Vanguard, Fidelity, Schwab ect. and be done with it ;-).

The high cost of fees
https://investor.vanguard.com/investing/how-to-invest/impact-of-costs?lang=en
How a 1% Fee Could Cost Millennials $590,000 in Retirement Savings @ NerdWallet:
https://www.nerdwallet.com/blog/investing/millennial-retirement-fees-one-percent-half-million-savings-impact/