I have a brother who is in deep financial distress. It is hard to know how bad his situation is because he bristles at any talk about personal finance, but the external indications are alarming: recurring attempts to borrow (5-figures) money from family members, attempts to sell inherited assets, declarations that he can't pay bills or will soon be in foreclosure, etc, etc. He recently stated an intention to seek advice from Edward Jones, the brokerage firm. This seems to me like going from grade school to graduate school and skipping everything in-between. He needs someone who has experience helping those with broken down personal finances, big credit card debt, and defeated credit ratings. I'd like to make sure that his first recovery steps are in the right direction. Would it make more sense to see a credit counselor or a fee-based financial advisor or is the Edward Jones plan sound? Are there other options? I don't have any experience with this level of distress so I am grateful for all opinions. Links and names of groups or individuals that you recommend would be wonderful. We are in small-town southwestern Minnesota.