We start where we are and with what we know and take it from there. 

We only ever know the right time right place in hindsight. 

The ideal time is when you feel ready.  
 
Two tips on what to do:
– Get advice when it’s an idea not after the action is taken. i.e selling a business or a house or ceasing work. Seek advice before the decision is made and action taken. The reward can be surprising. 
– Use the advisers’ services and skills to the fullest. Don’t leave any questions behind no matter how minor or trivial. It is why advisers are in this profession. 
 
If you feel unsure of the process or uncomfortable in asking a question, consider finding a different adviser. The relationship might not be right.
 
Two tips on what to avoid in any advice process:
– If you put off starting a conversation until you think you are ready chances are you may never be ready. It’s an easy way to avoid doing anything even making a plan. A good advice relationship should be a dynamic process and help your thinking and plans evolve
– Try to avoid predicting the advisers process or needs. When we think we are helpful we may create a distraction. A good adviser should be clear about direction and timing and run the agenda for you and help you stay focused.