What kind of finance person do I need?

I am living with somebody and we are both almost out of graduate school. For the first time in a long time, we will both have a good income. But we will also have school debts and we have other goals, like getting a house, minimizing our taxes and cleaning up our past credit issues. What kind of financial professional should we consult with? Tax attorney, financial planner, accountant, or something else? We are in the USA. Also, if you have approximate rates we can expect to pay and how long this sort of planning would take, that would be great.

I would say you need to talk to a good financial planner and a good accountant. Both are necessary to achieve financial health.

Take your time choosing both. For the financial planner, choose a fee only planner. That way you know he/she will have your best interests in mind. If you choose someone who is paid by commissions, you will end up choosing a plan that is in their best interests financially. A good fee only planner will look at your total financial picture including debt, income and future financial plans. Then he/she suggests a plan to you. You pay him/her by the hour or one set fee, just like you would a doctor or a lawyer. Take it from me, a former financial planner. I was paid by commissions and that's the reason I am no longer a financial planner. I wasn't comfortable with the moral and ethical conflicts of interests.

As far as accountants, don't scrimp here. Choose a good CPA. Don't go to an H&R block. The extra money you pay a good CPA will more than pay for itself in increased returns and advice.

Good luck and congrats on your pending graduation!

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Most likely a real good financial planner. It sounds like you have multiple long term goals, and this is what they deal with. Further, they are best suited to helping you pick out how to store your new incoming wealth. Tax attorneys and accountants are generally better suited to working with people who already have wealth.

You need a financial adviser. Should cost you less than 4-5 hundred a year. Do not go out and buy a new house, car, boat, etc....Clear up the debt problems first. Continue to live like students for a little while longer. Don't add 'adult' debts to school debts. You'll be so far above the normal people in the US. I was debt free except for the house. Until I got married. Will be back there soon though. You won't believe how quickly you can save and invest money when you have no debts? Read Dave Ramsey's , Total Money Makeover. It's an easy read. There are also tapes of the book. This is not an ad for Ramsey. I checked my copy out at my local library. His guidelines aren't the easy path. But, once you adopted the no debt philosophy, you'll be able to reach for more complex financial strategies. So listen to the tapes or read the book then talk to a financial adviser.