How to Choose a Financial Advisor: a Step-by-Step Guide

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window.allScripts.push({ type: "load", script: "%3Cscript%20src%3D%22https%3A%2F%2Fwww.googletagmanager.com%2Fgtm.js%3Fid%3DGTM-MP6F46L%22%20data-consent%3D%22ANALYTICS%22%20data-track-load%3D%22gtm%22%3E%3C%2Fscript%3E" });</script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.businessinsider.com/personal-finance/investing/how-to-find-financial-advisor"},"editor":{"@type":"Person","name":"Sarah Silbert"},"author":[{"@type":"Person","name":"Jake Safane","sameAs":"https://www.businessinsider.com/author/jake-safane"},{"@type":"Person","name":"Jovan Johnson, CFP®","sameAs":"https://www.businessinsider.com/author/jovan-johnson-cfp"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"How to Choose a Financial Advisor: A Step-by-Step Guide","alternativeHeadline":"How to Choose a Financial Advisor: Find the Right Fit for Your Financial Goals","image":{"@type":"ImageObject","url":"https://i.insider.com/62e4108a4b455800188b60f4?width=1200&format=jpeg","width":1200,"height":900,"caption":"Use these strategies to find the right financial advisor for you."},"name":"How to Choose a Financial Advisor: Find the Right Fit for Your Financial Goals","datePublished":"2024-11-08T17:55:11Z","dateModified":"2024-11-08T20:27:14Z","description":"Find the right financial advisor for your needs with this comprehensive guide. Learn about credentials, fees, and questions to ask to make an informed decision.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate products and services to help you make smart decisions with your money.Personal finance doesn't come naturally to everyone, and in many cases you can get more out of your money by hiring an expert such as a financial advisor. These professionals can help you achieve a wide range of short- and long-term goals — like having a comfortable retirement, funding your child's college tuition, or buying a house — along with potentially helping you save money on taxes, increase investment returns, obtain risk-appropriate insurance, and more. These professionals aren't one-size-fits-all, though, and finding the right one is critical to your success. Here's what you need to know about the best financial advisors and planners, and how to zero in on the best one for your goals and budget.Before actually going through the process of comparing financial advisors and seeing who's a good fit, it's important to self-reflect on financial needs and goals. That includes the following steps:First things first, you need to take stock of where you're at financially. Look at your income and expenses to see if you need to earn more, spend less, or a combination of the two. Also take stock of your assets, debt, and risk tolerance for more big-picture planning. Your financial advisor can help you look into all these areas in more detail, but it's helpful to at least get a sense of where you're at so you can choose a financial advisor with expertise in helping people in your situation, such as choosing someone who specializes in debt management vs. someone who's a better fit for high-income entrepreneurs. After reviewing your financial situation, start setting what seems like realistic financial goals, such as retiring by a certain age, being able to pay for your children's college, having a trust set up for your family for when you pass away, etc. Here too, your financial advisor can help you set more detailed, attainable goals, along with a plan to get there, but having some goals in mind from the start can help you figure out which advisor is a good fit for you.Your financial situation and goals might point you in the direction of the services you need, but you also might want to think a little bit more about any other areas that may not have shown up in the previous steps. For example, maybe you have high tax bills and you want help with tax planning. Or maybe you're in a unique financial situation, such as going through a divorce, and you want someone who serves clients in that situation.Financial professionals typically have specialties, so you'll want to choose one that aligns closely with what you hope to get out of hiring a financial advisor. Common financial planning specialties include:There are also advisors and planners who specialize in specific life stages, demographics, or even people with certain occupations. \"When looking for a financial planner, it is important to understand exactly what you're looking for,\" says Jay Zigmont, a CFP planner and founder of Childfree Wealth, which focuses on financial planning for adults who choose not to have children. \"You will find planners who specialize in just about every group, job, and life stage, so find one that fits you.\"Choosing a financial planner who's a fiduciary is also important to many people. A financial advisor isn't always a fiduciary. Being a fiduciary means the advisor must avoid conflicts of interest and always put your interests first.\"A planner that operates under the fiduciary standard is required by law to always keep your financial best interests ahead of theirs,\" says Jason Steeno, president of financial advisory firm CoreCap Investments in Southfield, Michigan. Once you have a good idea of what you want from a financial advisor, consider the following steps to actually find and hire one:There are many ways to find a financial advisor or planner near you. Asking friends, family members, and colleagues is often a good place to start, as they can recommend local professionals they've had personal experience with. You can also use one of these online resources, all of which allow you to filter by geographic area:Once you've shortlisted a few names, cross-check them on FINRA's BrokerCheck and the Securities and Exchange Commission's (SEC) Investment Advisor Public Disclosure database. There, Steeno says, \"You can see how long they've been in business or if they've had any disciplinary history.\"As you go through your options, interview multiple advisors, rather than feeling like you have to go with the first one you speak with. Set up introductory meetings with two or three professionals, and use the time to ask questions, understand their processes and fees, and make sure they're a good fit before moving forward. And trust your gut — if something seems off, there are plenty of other options, so no need to risk handing over your money to someone you don't trust.There isn't a singular \"financial planner\" or \"financial advisor\" license or certification. As Steeno puts it, \"Just about anyone can call themselves a financial planner.\"To ensure you're choosing an experienced and knowledgeable professional, look for professional designations such as the following (but don't feel like you're limited to just these), each indicating a different specialty, skill set, or training:You can usually find a planner's credentials listed after their name — both in the online search resources under Step 1 and on their professional profile or LinkedIn account. Important: There are many other designations and credentials a financial professional can hold. To look up a specific one you've seen, use the professional designation glossary from the Financial Industry Regulatory Authority (FINRA).There are many ways a financial advisor may charge you, so be sure you understand their fee structure before working with them. Some services are charged based on the assets or investments the advisor manages, while others charge flat fees, hourly rates, or receive commissions. How they charge can influence how much you'll end up spending to work with a financial advisor, so it's always important to research this part beforehand.Here's a look at some of the various fee structures financial advisors use:Fee-only advisors do not receive commissions or kickbacks from the products and policies they recommend. Generally speaking, most professionals recommend seeking someone who is fee-only, as this helps ensure they put your best interests first. That's not to say that fee-only advisors are automatically immune to conflicts of interest, but it typically helps you get on the same page. For example, with AUM-based models, there's a financial incentive for the advisor to grow your assets (and avoid losses).\"It ensures the advisor's interests are in line with yours,\" Steeno says. \"They want your assets to increase in value just as you do.\"Don't know where to start?Finding a financial advisor doesn't have to be hard. SmartAsset's free tool matches you with up to three fiduciary financial advisors that serve your area in minutes. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests. Start your search now.When looking for a financial advisor, it's helpful to ask questions before choosing one. Remember, they're the ones trying to win you over to gain your business, so don't feel shy. Many financial advisors offer free consultations where you can ask questions across many different areas, like the following:While there are many great financial advisors across the country, some are unsavory or might just not be the right fit for you. Watch out for red flags such as the following to avoid these advisors:Lastly, as you go through your options, keep in mind that you don't have to meet with a financial advisor or planner in person to get professional help. Many financial advisors offer online services that allow you to get the guidance you need without leaving your home. These usually include phone and video calls, in which you \"meet\" your planner virtually over Zoom, Skype, or another similar service.These can be a good option if you want faster, more convenient service or to work with an advisor not in your geographic area. There are also robo-advisors, which can be used for building and managing your investment portfolio. They're typically more affordable than using a real-life advisor and have low starting balance requirements, but they're also less comprehensive and personalized. Robo-advisors typically won't help with budgeting, estate planning, tax planning, or other non-investment services.As Rob Burnette, an MRFC and chief executive officer of Outlook Financial Center in Troy, Ohio, explains, \"Robo-advisors are only useful for the investment part of a financial plan.\"In some cases, robo-advisors may include interactions with a live advisor (sometimes for an added fee). But it's usually not a dedicated account professional, and you may be limited on how many times you can interact with them. This generally means less consistency and personal guidance than you'd get with a financial planner you hired directly.\"Robo-advisors generally offer a one-size-fits-most solution,\" says Kris Maksimovich, a CRC and president at Global Wealth Advisors based in Lewisville, Texas. \"They lack personalization and input and don't offer hand-holding during periods of market volatility.\"Financial advisor costs vary widely, but some common fee structures are charging 1% of your assets annually, $1,000-$3,000 for an introductory financial plan, or $100-$300 per hour.Even if you have a simple financial situation, you still might benefit from a financial advisor, such as if you want guidance on how to plan for retirement and set up accounts accordingly. That said, if your situation is truly simple, you might prefer a flat-rate advisor who can set you up with a plan once, rather than paying someone on an ongoing basis when you might not need much help later on.Yes, you can typically change financial advisors at your discretion. There might be some sunk costs when doing so, such as if you paid upfront for annual planning, but in general, you can change advisors just as you might change other professionals like accountants and lawyers.","articleSection":"Personal Finance, Financial Planning, Financial Advisors","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"How much does it cost to hire a financial advisor?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Financial advisor costs vary widely, but some common fee structures are charging 1% of your assets annually, $1,000-$3,000 for an introductory financial plan, or $100-$300 per hour.</p>"}},{"@type":"Question","name":"Do I need a financial advisor if I have a simple financial situation?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Even if you have a simple financial situation, you still might benefit from a financial advisor, such as if you want guidance on how to plan for retirement and set up accounts accordingly. 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There might be some sunk costs when doing so, such as if you paid upfront for annual planning, but in general, you can change advisors just as you might change other professionals like accountants and lawyers.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/financial-planning","name":"Financial Planning"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/financial-advisors","name":"Financial Advisors"}},{"@type":"ListItem","position":4,"item":{"@id":"https://www.businessinsider.com/personal-finance/investing/how-to-find-financial-advisor","name":"How to Choose a Financial Advisor: Find the Right Fit for Your Financial Goals"}}]} </script> 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class=" breadcrumb-hide-m" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a 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class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-11-08T17:55:11Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-11-08T17:55:11Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 0-3.526 1.567-3.526 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</figcaption> </span> </figure> <div class="typography sticky-toc-post-wrapper"> <nav class="sticky-toc js-sticky-toc-dropdown hide-menu headline-semibold helpfulness-mobile-toc" data-component-type="sticky-toc" > <div class="sticky-toc-title-wrapper helpfulness-mobile-toc" > <div class="helpfulness-mobile-toc-title"> <span class="helpfulness-mobile-toc-jump-to">JUMP TO</span> <span class="headline-regular helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu 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<div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate products and services</a> to help you make smart decisions with your money.</p><p></p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><ul class="summary-list"> <li>A financial advisor can help plan for retirement, build an investment portfolio, or budget to reach your financial goals.</li> <li>When hiring an advisor or planner, make sure to consider their specialties and certifications.</li> <li>Also consider how they charge: a flat fee, hourly rate, retainer, percentage of assets, or commission.</li> <li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="summary_bullets" data-analytics-product-id="5fca71ae6647564cfb0410e9" data-analytics-product-brand="SmartAsset" data-analytics-product-name="SmartAsset" href="https://smartasset.com/retirement/find-a-financial-planner?utm_source=businessinsider&utm_medium=cpc&utm_campaign=bus__falc_bicontent&utm_content=commerce-library">SmartAsset</a>'s free tool matches you with up to three fiduciary financial advisors that serve your area in minutes. Each advisor has been vetted by <a target="_blank" rel="nofollow noopener" data-analytics-product-module="summary_bullets" data-analytics-product-id="5fca71ae6647564cfb0410e9" data-analytics-product-brand="SmartAsset" data-analytics-product-name="SmartAsset" href="https://smartasset.com/retirement/find-a-financial-planner?utm_source=businessinsider&utm_medium=cpc&utm_campaign=bus__falc_bicontent&utm_content=commerce-library">SmartAsset</a> and is held to a fiduciary standard to act in your best interests.<a href="https://smartasset.com/retirement/find-a-financial-planner?utm_source=businessinsider&utm_medium=cpc&utm_campaign=bus__falc_bicontent&utm_content=BI" target="_blank" rel="noopener nofollow" data-analytics-product-module="summary_bullets"> Start your search now.</a></li> </ul><p>Personal finance doesn't come naturally to everyone, and in many cases you can get more out of your money by hiring an expert such as a <a href="https://www.businessinsider.com/personal-finance/investing/how-to-find-financial-advisor" data-analytics-product-module="body_link" rel="">financial advisor</a>. These professionals can help you achieve a wide range of short- and long-term goals — like having a comfortable retirement, funding your child's college tuition, or buying a house — along with potentially helping you save money on taxes, increase investment returns, obtain risk-appropriate insurance, and more. </p><p>These professionals aren't one-size-fits-all, though, and finding the right one is critical to your success. Here's what you need to know about the <a href="https://www.businessinsider.com/personal-finance/investing/best-online-financial-advisors" data-analytics-product-module="body_link" rel="">best financial advisors</a> and planners, and how to zero in on the best one for your goals and budget.</p><h2 data-toc-label="Determine your needs and goals" id="determine-your-needs-and-goals" class="toc-anchor">Determine your needs and goals</h2><p>Before actually going through the process of comparing financial advisors and seeing who's a good fit, it's important to self-reflect on financial needs and goals. That includes the following steps:</p><h3>1. Assess your financial situation</h3><p>First things first, you need to take stock of where you're at financially. Look at your income and expenses to see if you need to earn more, spend less, or a combination of the two. Also take stock of your assets, debt, and risk tolerance for more big-picture planning. </p><p>Your financial advisor can help you look into all these areas in more detail, but it's helpful to at least get a sense of where you're at so you can choose a financial advisor with expertise in helping people in your situation, such as choosing someone who specializes in debt management vs. someone who's a better fit for high-income entrepreneurs.  </p><h3>2. Set your financial goals</h3><p>After reviewing your financial situation, start setting what seems like realistic financial goals, such as retiring by a certain age, being able to pay for your children's college, having a trust set up for your family for when you pass away, etc. </p><p>Here too, your financial advisor can help you set more detailed, attainable goals, along with a plan to get there, but having some goals in mind from the start can help you figure out which advisor is a good fit for you.</p><h3>3. Specify the services you need</h3><p>Your financial situation and goals might point you in the direction of the services you need, but you also might want to think a little bit more about any other areas that may not have shown up in the previous steps. For example, maybe you have high tax bills and you want help with tax planning. Or maybe you're in a unique financial situation, such as going through a divorce, and you want someone who serves clients in that situation.</p><p>Financial professionals typically have specialties, so you'll want to choose one that aligns closely with what you hope to get out of hiring a financial advisor. Common <a href="https://www.businessinsider.com/personal-finance/investing/financial-plan" data-analytics-product-module="body_link" rel="">financial planning</a> specialties include:</p><ul><li aria-level="1">Estate planning</li><li aria-level="1">Investing </li><li aria-level="1">Retirement planning</li><li aria-level="1">Business planning </li><li aria-level="1">Debt management</li><li aria-level="1"><a href="https://www.businessinsider.com/personal-finance/banking/how-to-budget" rel="">Budgeting</a></li><li aria-level="1">Tax planning</li><li aria-level="1">Insurance</li></ul><p>There are also advisors and planners who specialize in specific life stages, demographics, or even people with certain occupations. </p><p>"When looking for a financial planner, it is important to understand exactly what you're looking for," says Jay Zigmont, a CFP planner and founder of <a href="https://childfreewealth.com/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Childfree Wealth</a>, which focuses on financial planning for adults who choose not to have children. "You will find planners who specialize in just about every group, job, and life stage, so find one that fits you."</p><p>Choosing a financial planner who's a <a href="https://www.businessinsider.com/personal-finance/investing/fiduciary" data-analytics-product-module="body_link" rel="">fiduciary</a> is also important to many people. A <a href="https://www.businessinsider.com/personal-finance/investing/fiduciary-vs-financial-advisor" data-analytics-product-module="body_link" rel="">financial advisor isn't always a fiduciary</a>. Being a fiduciary means the advisor must avoid conflicts of interest and always put your interests first.</p><p>"A planner that operates under the fiduciary standard is required by law to always keep your financial best interests ahead of theirs," says Jason Steeno, president of financial advisory firm <a href="https://corecapinv.com/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">CoreCap Investments</a> in Southfield, Michigan. </p><div class="myFinance-widget" data-widget-id="bf462ab2-8e6a-4f05-ad8c-5985fec1bcc6" data-campaign="bizin-invest-fam-spl" data-sub-id="PLACESUBIDHERE"> </div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-consent="MARKETING" data-src="https://static.myfinance.com/widget/myFinance.js" data-async="true" data-defer="true"></div> <h2 data-toc-label="Steps for choosing a financial advisor" id="steps-for-choosing-a-financial-advisor" class="toc-anchor"><strong>Steps for choosing a financial advisor</strong></h2><p>Once you have a good idea of what you want from a financial advisor, consider the following steps to actually find and hire one:</p><h3><strong>1. Search for financial advisor options in your area </strong></h3><p>There are many ways to find a financial advisor or planner near you. Asking friends, family members, and colleagues is often a good place to start, as they can recommend local professionals they've had personal experience with. </p><p>You can also use one of these online resources, all of which allow you to filter by geographic area:</p><ul><li aria-level="1"><a href="https://www.financialplanningassociation.org/practice-support/plannersearch" target="_blank" rel="noopener nofollow">Financial Planning Association</a>: The FPA's tool lets you search for CFP professionals in your area, and you can filter by specialty, compensation type, and certification. </li><li aria-level="1"><a href="https://www.napfa.org/find-an-advisor#" target="_blank" rel="noopener nofollow">National Association of Personal Financial Advisors</a>: With NAPFA's search tool, you enter your ZIP code and can filter planners based on their distance from you. There's also a map you can use to view all your options in one place.</li><li aria-level="1"><a href="https://www.letsmakeaplan.org/" target="_blank" rel="noopener nofollow">Let's Make a Plan</a>: This is the CFP Board of Standards' search tool. You can search by location, services offered, or both. All planners listed are CFP professionals. </li><li aria-level="1"><a href="https://connect.xyplanningnetwork.com/find-an-advisor" target="_blank" rel="noopener nofollow">XY Planning Network</a>: XY's tool lets you search for fee-only financial advisors (more on this below) in your area. You can look by location and filter results using various keywords and specialties.</li></ul><p>Once you've shortlisted a few names, cross-check them on FINRA's <a href="https://brokercheck.finra.org/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">BrokerCheck</a> and the Securities and Exchange Commission's (SEC) <a href="https://adviserinfo.sec.gov/" target="_blank" rel="noopener" data-analytics-product-module="body_link">Investment Advisor Public Disclosure</a> database. There, Steeno says, "You can see how long they've been in business or if they've had any disciplinary history."</p><p>As you go through your options, interview multiple advisors, rather than feeling like you have to go with the first one you speak with. Set up introductory meetings with two or three professionals, and use the time to ask questions, understand their processes and fees, and make sure they're a good fit before moving forward. And trust your gut — if something seems off, there are plenty of other options, so no need to risk handing over your money to someone you don't trust.</p><h3><strong>2. Review a financial advisor's credentials</strong></h3><p>There isn't a singular "financial planner" or "financial advisor" license or certification. As Steeno puts it, "Just about anyone can call themselves a financial planner."</p><p>To ensure you're choosing an experienced and knowledgeable professional, look for professional designations such as the following (but don't feel like you're limited to just these), each indicating a different specialty, skill set, or training:</p><ul><li aria-level="1"><strong>CFP</strong>: A <a href="https://www.businessinsider.com/personal-finance/investing/cfp" rel="">CFP</a> is a Certified Financial Planner. These professionals must have a bachelor's degree, three years minimum in full-time financial planning (with thousands of hours of professional or apprenticeship experience required), and complete a board-certification program and exam. CFPs also must take 30 hours of continuing education every two years.</li><li aria-level="1"><strong>CFA</strong>: CFA stands for Chartered Financial Analyst. These professionals must take a three-part exam focusing on investment tools, assets, wealth planning, and portfolio management to earn this prestigious designation.</li><li aria-level="1"><strong>CIMA</strong>: Professionals with a CIMA designation are Certified Investment Management Analysts. CIMAs are required to have three years of experience in financial services and enroll in a CIMA education course at the Yale School of Management, the University of Chicago Booth School of Business, or the Investment Management Research Program in Australia.</li><li aria-level="1"><strong>MRFC</strong>: An MRFC is a Master Registered Financial Consultant. These professionals need at least four years of full-time financial planning experience, have a bachelor's degree in accounting, economics, or finance, and complete 40 hours of continuing education every year. </li><li aria-level="1"><strong>ChFC</strong>: ChFCs are Chartered <a href="https://www.businessinsider.com/personal-finance/investing/financial-consultant" rel="">Financial Consultants</a>. They must have at least three years of full-time business experience, complete 27 credit hours of courses, and receive 30 continuing education credits every two years.</li><li aria-level="1"><strong>CRC</strong>: This one is a Certified Retirement Counselor. They must have two years of professional retirement planning experience, pass a specialized certification exam, and take 15 hours of continuing education courses annually. </li></ul><p>You can usually find a planner's credentials listed after their name — both in the online search resources under Step 1 and on their professional profile or LinkedIn account. </p><p><strong>Important:</strong> There are many other designations and credentials a financial professional can hold. To look up a specific one you've seen, use the professional designation <a href="https://www.finra.org/investors/professional-designations" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">glossary</a> from the Financial Industry Regulatory Authority (<a href="https://www.businessinsider.com/personal-finance/investing/finra" data-analytics-product-module="body_link" rel="">FINRA</a>).</p><h3><strong>3. Review fee structures </strong></h3><p>There are many ways a financial advisor may charge you, so be sure you understand their fee structure before working with them. Some services are charged based on the assets or investments the advisor manages, while others charge flat fees, hourly rates, or receive commissions. How they charge can influence how much you'll end up spending to work with a financial advisor, so it's always important to research this part beforehand.</p><p>Here's a look at some of the various fee structures financial advisors use:</p><ul><li aria-level="1"><strong>Fee-only: </strong>Fee-only advisors are paid for the services they provide only from clients. This might mean an hourly rate, a flat fee, or a retainer of some sort. But one of the more common subsets of the fee-only model is the assets under management (AUM) or assets under advisement (AUA) approach, where the advisor charges you a percentage of your assets, such as around 1% annually.</li></ul><p>Fee-only advisors do not receive commissions or kickbacks from the products and policies they recommend. </p><ul><li aria-level="1"><strong>Commission</strong>: Commissioned financial advisors get compensated based on the products they sell to you. While you might not pay an upfront fee, one criticism of this approach is that it may cause a conflict of interest, as it could motivate them to recommend certain products, even if they're not the best choice based on your needs.</li><li aria-level="1"><strong>Fee-based</strong>: A fee-based model is a combination of fee-only and commission structures. You may pay a fee for the advisor's service, and they also may receive a commission for certain products they recommend to you. </li></ul><p>Generally speaking, most professionals recommend seeking someone who is fee-only, as this helps ensure they put your best interests first. That's not to say that fee-only advisors are automatically immune to conflicts of interest, but it typically helps you get on the same page. For example, with AUM-based models, there's a financial incentive for the advisor to grow your assets (and avoid losses).</p><p>"It ensures the advisor's interests are in line with yours," Steeno says. "They want your assets to increase in value just as you do."</p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 88px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Fee-only</strong></td><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Fee-based</strong></td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">The planner is paid based on services provided</td><td style="width: 50%; height: 22px;" class="headline-regular">The planner is paid based on the services provided and the products they recommend</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">May include a flat fee, hourly rate, retainer, or AUM approach</td><td style="width: 50%; height: 22px;" class="headline-regular">May include a combination of commissions and fees</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Ensures the planner puts your interests first</td><td style="width: 50%; height: 22px;" class="headline-regular">May encourage planners to put their interests before your own</td></tr></tbody></table></div><aside class="quick-tip headline-regular ignore-typography"><p><strong>Don't know where to start?</strong></p><p><a href="https://www.businessinsider.com/personal-finance/how-to-find-financial-advisor" data-analytics-product-module="body_link" rel="">Finding a financial advisor</a> doesn't have to be hard. SmartAsset's free tool matches you with up to three fiduciary financial advisors that serve your area in minutes. Each advisor has been vetted by <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="5fca71ae6647564cfb0410e9" data-analytics-product-brand="SmartAsset" data-analytics-product-name="SmartAsset" href="https://smartasset.com/retirement/find-a-financial-planner?utm_source=businessinsider&utm_medium=cpc&utm_campaign=bus__falc_bicontent&utm_content=commerce-library">SmartAsset</a> and is held to a fiduciary standard to act in your best interests.<a href="https://smartasset.com/retirement/find-a-financial-planner?utm_source=businessinsider&utm_medium=cpc&utm_campaign=bus__falc_bicontent&utm_content=BI" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link"> Start your search now.</a></p></aside><h2 data-toc-label="Key questions to ask potential advisors" id="key-questions-to-ask-potential-advisors" class="toc-anchor">Key questions to ask potential advisors</h2><p>When looking for a financial advisor, it's helpful to ask questions before choosing one. Remember, they're the ones trying to win you over to gain your business, so don't feel shy. Many financial advisors offer free consultations where you can ask questions across many different areas, like the following:</p><h3>Experience and qualifications</h3><ul><li aria-level="1">How many years have you been working as a financial advisor?</li><li aria-level="1">What are your areas of expertise?</li><li aria-level="1">What types of clients do you typically work with?</li></ul><h3>Services offered</h3><ul><li aria-level="1">What specific services do you offer?</li><li aria-level="1">If I need help with another type of service, can you refer me?</li><li aria-level="1">What if my needs change while we're working together?</li></ul><h3>Fees and compensation</h3><ul><li aria-level="1">What is your fee structure?</li><li aria-level="1">What do you see as potential conflicts of interest?</li><li aria-level="1">Do you offer any alternative fee structures or discounts, such as for having a certain number of assets?</li></ul><h3>Fiduciary duty</h3><ul><li aria-level="1">Are you a fiduciary?</li><li aria-level="1">What makes you a fiduciary (e.g., are you following the standards of a regulator or of a certifying body like the CFP board)?</li></ul><h3>Investment philosophy</h3><ul><li aria-level="1">What is your typical approach to investing, e.g., do you use low-cost index funds or pick stocks?</li><li aria-level="1">How do you help clients balance risk and reward with investing?</li><li aria-level="1">What if I'm not sure what my own investment philosophy is?</li></ul><h3>Communication and accessibility</h3><ul><li aria-level="1">How often will we meet? </li><li aria-level="1">What if I have questions outside of regular meetings?</li><li aria-level="1">What is your preferred method of communication?</li></ul><h2 data-toc-label="Red flags to watch out for" id="red-flags-to-watch-out-for" class="toc-anchor">Red flags to watch out for</h2><p>While there are many great financial advisors across the country, some are unsavory or might just not be the right fit for you. Watch out for red flags such as the following to avoid these advisors:</p><ul><li aria-level="1"><strong>High-pressure sales tactics</strong>: You don't need to feel rushed to make a decision. Financial planning can be a lifelong endeavor, so you want an advisor who makes you feel comfortable.</li><li aria-level="1"><strong>Unclear or excessive fees: </strong>The higher the fees, the lower your net returns. If you're unclear about their fee structure and can't get clarity, or if they seem like they're charging much more than competitors without a good reason for doing so, you probably want to move on.</li><li aria-level="1"><strong>Lack of transparency</strong>: In addition to wanting clarity about fees, you also want transparency about areas like their availability, experience, fiduciary duty, etc. If they seem to lack transparency, that's a red flag.</li><li aria-level="1"><strong>Promises of guaranteed returns</strong>: All investments have some degree of risk. An advisor shouldn't make promises of guaranteed returns particularly when dealing with areas that have clear variability, such as stock market returns. Areas like annuities that have fixed returns are a little different, but even then, you want to be careful about an advisor making big promises without carefully helping you analyze what the tradeoffs are, what the risks are, the full fees, etc.</li></ul><h2><strong>Online financial advisors vs. traditional advisors </strong></h2><p>Lastly, as you go through your options, keep in mind that you don't have to meet with a financial advisor or planner in person to get professional help. Many financial advisors offer online services that allow you to get the guidance you need without leaving your home. These usually include phone and video calls, in which you "meet" your planner virtually over Zoom, Skype, or another similar service.</p><p>These can be a good option if you want faster, more convenient service or to work with an advisor not in your geographic area. </p><p>There are also <a href="https://www.businessinsider.com/personal-finance/investing/best-robo-advisors" data-analytics-product-module="body_link" rel="">robo-advisors</a>, which can be used for building and managing your investment portfolio. They're typically more affordable than using a real-life advisor and have low starting balance requirements, but they're also less comprehensive and personalized. Robo-advisors typically won't help with budgeting, estate planning, tax planning, or other non-investment services.</p><p>As Rob Burnette, an MRFC and chief executive officer of <a href="https://outlookfc.com/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Outlook Financial Center</a> in Troy, Ohio, explains, "Robo-advisors are only useful for the investment part of a financial plan."</p><p>In some cases, robo-advisors may include interactions with a live advisor (sometimes for an added fee). But it's usually not a dedicated account professional, and you may be limited on how many times you can interact with them. This generally means less consistency and personal guidance than you'd get with a financial planner you hired directly.</p><p>"Robo-advisors generally offer a one-size-fits-most solution," says Kris Maksimovich, a CRC and president at <a href="https://www.gwadvisors.net/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Global Wealth Advisors</a> based in Lewisville, Texas. "They lack personalization and input and don't offer hand-holding during periods of market volatility."</p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%;" border="1" class="table-content"><tbody class="table-content-body"><tr><td style="width: 50%;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Robo-advisor</strong></td><td style="width: 50%;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Online financial advisor service</strong></td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold">Can help you build an investment portfolio quickly and easily</td><td style="width: 50%;" class="headline-regular">May be more efficient and convenient than meeting a planner in person</td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold">Lower cost than traditional financial planners</td><td style="width: 50%;" class="headline-regular">Allows you to work with a financial planner located anywhere</td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold">Services are less personalized to your needs</td><td style="width: 50%;" class="headline-regular">Gives you personalized guidance and consistency</td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold">Does not include non-investment services, like budgeting, tax planning, or estate planning</td><td style="width: 50%;" class="headline-regular">May be harder to build a personal relationship with your planner</td></tr></tbody></table></div><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor"><strong>FAQs about choosing a financial advisor</strong></h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How much does it cost to hire a financial advisor? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Financial advisor costs vary widely, but some common fee structures are charging 1% of your assets annually, $1,000-$3,000 for an introductory financial plan, or $100-$300 per hour.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Do I need a financial advisor if I have a simple financial situation? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Even if you have a simple financial situation, you still might benefit from a financial advisor, such as if you want guidance on how to plan for retirement and set up accounts accordingly. That said, if your situation is truly simple, you might prefer a flat-rate advisor who can set you up with a plan once, rather than paying someone on an ongoing basis when you might not need much help later on.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I change financial advisors if I'm not satisfied? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, you can typically change financial advisors at your discretion. There might be some sunk costs when doing so, such as if you paid upfront for annual planning, but in general, you can change advisors just as you might change other professionals like accountants and lawyers.</p> </div> </div> </div><iframe data-src="https://smartasset.com/captivate/frame/na8gsflv" width="100%" height="650px" scrolling="auto" style="border: none;"></iframe><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/jake-safane" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="jake-safane"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/652eb00f211def8ed8373e18?crop=1:1&width=256&format=jpeg&auto=webp" alt="Jake Safane"> <noscript> <img src="https://i.insider.com/652eb00f211def8ed8373e18?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/jake-safane" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Jake Safane</div> </a> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Jake Safane is a freelance writer specializing in finance and sustainability. He runs a corporate sustainability blog, <a href="https://carbonneutralcopy.com/" rel=" nofollow">Carbon Neutral Copy</a>, and his work has appeared in publications such as The Economist, CBS MoneyWatch, and the Los Angeles Times.</span><span><span class="headline-semibold">Experience</span></span><span>Jake has been working in financial journalism since 2011, covering areas such as banking and investing for both businesses and individuals. </span><span>His career has included a mix of in-house reporting jobs at B2B finance publications such as Global Custodian and FundFire, a role in sponsored research at The Economist, and freelance engagements with online publications, financial advisors, and fintech companies.</span><span>His interest in personal finance dates back to joining his middle school stock trading club, where he learned about markets by doing simulated trading. A high school field trip to the New York Fed further cemented his fascination with the financial system and how seemingly academic concepts can make a big difference in the average person's life.</span><span>His personal interest in the environment has also carried over into finance, such as by covering ESG and impact investing. He believes that one of the top ways to solve the climate crisis is by helping both businesses and individuals realize the long-term financial benefits that sustainability can bring.</span><span>In his personal life, he also enjoys playing tennis, going to the gym, and going to the beach with his family — though often just for walks along a paved path, because vacuuming sand trekked in by a toddler and dog really cuts into writing time.</span><span><span class="headline-semibold">Expertise</span></span><span>Jake’s areas of personal finance expertise include:</span><ul><li><span>Investing</span></li><li><span>Banking</span></li><li><span>Financial Planning</span></li><li><span>Retirement</span></li><li><span>Insurance</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Jake is a graduate of Boston University, where he wrote for The Daily Free Press and had a show on the school's radio station.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> </div> </div> </div> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! 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