(NYTIMES) - With financial adulthood comes a series of firsts - apartments, loan payments and other complex decisions, all made while rent is high and starting pay cheques are low. So, what if that young adult heading out into the working world could confide in a trained, trusted guide, someone who might share the magic of compound interest or illustrate how setting aside just a little money at age 22 instead of 32 can translate into hundreds of thousands of dollars later? If you are close to someone entering this new phase - whether from high school, graduate school or somewhere in between - providing the gift of professional advice may be one of the most efficient ways to set him or her on the right path. Financial know-how comes in many forms, so highly motivated individuals can figure out how to navigate on their own. But there are plenty of snake oil salespeople - and TikTok videos and crypto-hyping friends do not always provide sound advice. Laying out a few hundred dollars for guidance can help prevent costlier mistakes, while providing the support to arrive at financial decisions more thoughtfully, even if it is not the most favourable option on the spreadsheet. "Often, I e...