This time of year, folks just naturally find themselves bedeviled by ghosts, goblins, werewolves, zombies and other spectral visages.But it doesn’t take a gloomy, overcast Halloween night for another, even scarier, phenomenon to raise its ghastly head. That spectacle? Why, it’s the spine-chilling appearance of one or more unethical, unprofessional financial advisers, out to suck the economic lifeblood from your wallet, purse, checking account or life savings.These creatures can haunt your life at any time, throughout the entire year.Before they sink fangs in you, take effective measures to fend them off. We’re not referring to vampire-repelling blazing torches. Read on to master the methods. Doing otherwise could mean a spook-tacular financial setback.