1. Are you registered as an investment advisor?
If yes, then the advisor owes you a fiduciary duty, which is a fancy way of saying that she must put your needs first. Investment professionals who aren't fiduciaries are held to a lesser standard, called "suitability," which means that anything they sell you has to be appropriate for you, though not necessarily in your best interest. If the advisor is registered, ask for a copy of the Form-ADV and Form-ADV part II.