Settle Your Tax Debt In This Most Affordable and Ethical Way With This Service 7. Schedule an appointment with a financial advisor It’s always a good idea to get a qualified professional to take an independent look at your overall financial picture. To find an affordable, fee-only financial advisor, get a referral from the National Association of Personal Financial Advisors. The beginning of the New Year is a great time to set up a consultation with an accountant or financial advisor who can tell you everything from what areas of your finances could stand improving to overlooked ways you can save on your taxes.