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a financial adviser makes money by getting a cut on your investment returns. The more he invests the more he gets as it is in percentage. The better he invest the more he gets. So he tries to get as much money he can and place it as good as he can as both will profit him. The base salary will be low so that he is motivated to get his bonus out of the investment strategy. In short, worth going for normally.

The good ones get a high base salary. Check http://www.thesalarypeople.com/ for a list of base salaries in a city or firm and decide to go for the one with the highest base. They are stable, good...

I'm not even sure if financial advisors will talk to you unless you have 20 or 30 grand.

Just put money into your 401K at work for now.