Like many Americans, you probably have kids and/or grandkids that you would like to help with college planning. Navigating the world of scholarships, needs-based financial aid, the FAFSA form, school selection, etc. can be a daunting process.

So daunting, in fact, that you might want to consider hiring a college planner to help you. But beware. Some college planners are nothing more than insurance salespeople in disguise seeking to use the complexity of the college planning process to sell you insurance and annuities that might not be in your best interests.

Rich & Kelly shed some light on this topic and pass along a few pointers for you to consider if you do decide to hire some help.