Where does one find or learn about how to find a good person to work with US on this. I always worry its the finance professional's wallet first then maybe us.
Look for a fiduciary or a for fee planner (not a commission based one). They don't have a stake in selling you specific things, they just charge a flat rate. Whether they're any good or not is a different story, but they aren't in the business to sell you anything other than their services.