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This is in no way intended as a personal recommendation and investment decisions are solely those of the reader.</span></strong></span> </p> </div> <div class="lp-element lp-pom-box" id="lp-pom-box-406"> <div id="lp-pom-box-406-color-overlay"></div> <div class="lp-element lp-pom-text nlh" id="lp-pom-text-407"> <p style="line-height: 29px;"> <span style="font-weight: 500; font-family: Montserrat; font-size: 24px; color: rgb(0, 51, 69); font-style: normal;"><strong>Enter Your Zip Code</strong> to Find Qualified Fiduciary Advisors Near You:</span> </p> </div> <div class="lp-element lp-pom-form has-axis" id="lp-pom-form-408"> <form action="/web/20191201082753/https://article.smartasset.com/fsg?pageId=ce38a110-b935-4d03-a047-f15ab4a45848&variant=a" method="POST"> <input type="hidden" name="pageId" value="ce38a110-b935-4d03-a047-f15ab4a45848"><input type="hidden" name="pageVariant" value="a"> <div class="fields"> <div class="lp-pom-form-field single-line-text" id="container_zip_code"> <input id="zip_code" name="zip_code" type="text" class="ub-input-item single text form_elem_zip_code" placeholder="Zip Code" required=""> </div> <input id="utm_source" name="utm_source" type="hidden" class="hidden" value=""><input id="utm_medium" name="utm_medium" type="hidden" class="hidden" value=""><input id="utm_campaign" name="utm_campaign" type="hidden" class="hidden" value=""><input id="utm_term" name="utm_term" type="hidden" class="hidden" value=""><input id="utm_content" name="utm_content" type="hidden" class="hidden" value=""><input id="gclid" name="gclid" type="hidden" class="hidden" value=""> </div> <button class="lp-element lp-pom-button" id="lp-pom-button-409" type="submit"><span class="label">Continue</span></button> <input type="text" id="Vu0To4uogzVrGzvcVeL8kqcSF61yYaJV" name="ubafs-Vu0To4uogzVrGzvcVeL8kqcSF61yYaJV" style="display:none !important;"> </form> </div> </div> <div class="lp-element lp-pom-text nlh" id="lp-pom-text-410"> <h1 style="line-height: 58px; letter-spacing: -4px;"> <span style="font-size: 48px; font-family: Montserrat; font-weight: 500; font-style: normal; color: rgb(255, 255, 255);">7 Mistakes People Make When Choosing a Financial Advisor</span> </h1> </div> <div class="lp-element lp-pom-text nlh" id="lp-pom-text-412"> <p style="line-height: 20px;"> <span style="font-family: Montserrat; font-weight: 400; font-style: normal; font-size: 14px; color: rgb(145, 147, 150);">Get Smart with Your Assets</span> </p> </div> <div class="lp-element lp-pom-text nlh" id="lp-pom-text-413"> <p style="line-height: 20px; text-align: right;"> <a data-action="url" data-params="false" href="clkn/https/smartasset.com/terms" target="_blank"><span style="font-family: Montserrat; font-weight: 400; font-style: normal; font-size: 12px; color: rgb(145, 147, 150);">Terms of Use</span></a><span style="font-family: Montserrat; font-weight: 400; font-style: normal; font-size: 12px; color: rgb(145, 147, 150);">  |  </span><a data-action="url" data-params="false" href="clkn/https/smartasset.com/privacy" target="_blank"><span style="font-family: Montserrat; font-weight: 400; font-style: normal; font-size: 12px; color: rgb(145, 147, 150);">Privacy Policy</span></a><span style="font-family: Montserrat; font-weight: 400; font-style: normal; font-size: 12px; color: rgb(145, 147, 150);">  |  </span><a data-action="url" data-params="false" href="clkn/https/smartasset.com/about" target="_blank"><span style="font-family: Montserrat; font-weight: 400; font-style: normal; font-size: 12px; color: rgb(145, 147, 150);">About Us</span></a><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"><br></span></span></span><span style="font-family: Montserrat; font-weight: 400; font-style: normal; font-size: 12px; color: rgb(145, 147, 150);"> © 2019 SmartAsset</span> </p> </div> <div class="lp-element lp-pom-image" id="lp-pom-image-414"> <div class="lp-pom-image-container" style="overflow: hidden;"> <img src="//web.archive.org/web/20191201082753im_/https://d9hhrg4mnvzow.cloudfront.net/article.smartasset.com/financial-advisor-mistakes-9/transparent.gif" alt="" data-src-desktop-1x="//web.archive.org/web/20191201082753/https://d9hhrg4mnvzow.cloudfront.net/article.smartasset.com/financial-advisor-mistakes-9/1jhqvaa-sa-primary-logo-800px-transparent_04100m000000000000001.png" data-src-desktop-2x="//web.archive.org/web/20191201082753/https://d9hhrg4mnvzow.cloudfront.net/article.smartasset.com/financial-advisor-mistakes-9/1jhqvaa-sa-primary-logo-800px-transparent_082018000000000000001.png" data-src-desktop-3x="//web.archive.org/web/20191201082753/https://d9hhrg4mnvzow.cloudfront.net/article.smartasset.com/financial-advisor-mistakes-9/1jhqvaa-sa-primary-logo-800px-transparent_0c301u000000000000001.png" data-src-mobile-1x="//web.archive.org/web/20191201082753/https://d9hhrg4mnvzow.cloudfront.net/article.smartasset.com/financial-advisor-mistakes-9/1jhqvaa-sa-primary-logo-800px-transparent_04100m000000000000001.png" data-src-mobile-2x="//web.archive.org/web/20191201082753/https://d9hhrg4mnvzow.cloudfront.net/article.smartasset.com/financial-advisor-mistakes-9/1jhqvaa-sa-primary-logo-800px-transparent_082018000000000000001.png" data-src-mobile-3x="//web.archive.org/web/20191201082753/https://d9hhrg4mnvzow.cloudfront.net/article.smartasset.com/financial-advisor-mistakes-9/1jhqvaa-sa-primary-logo-800px-transparent_0c301u000000000000001.png"></div> </div> <div class="lp-element lp-pom-text nlh" id="lp-pom-text-415"> <p style="line-height: 18px;"> <span style="font-size: 10px;"><span style="font-family: Montserrat;"><span style="font-weight: 400;">SmartAsset is a personal finance technology company that features a financial advisor matching service. Financial Advisors who appear on SmartAsset are from companies with which SmartAsset receives compensation. SmartAsset takes into consideration wealth and location to determine how to match users with advisors. SmartAsset doesn't include the entire universe of Financial Advisors.</span></span></span> </p> </div> <div class="lp-element lp-pom-text nlh" id="lp-pom-text-423"> <p dir="ltr" style="line-height: 26px;"> <span style="font-family: Montserrat; font-weight: 400; font-style: normal; font-size: 16px; color: rgb(102, 102, 102);">Choosing a financial advisor is a major life decision that can determine your financial trajectory for years to come. </span> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 16px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;">A 2019 Northwestern Mutual study found that U.S. adults who </span></span></span></span><span style="color: rgb(18, 121, 253);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"><a data-action="url" data-params="true" href="clkn/https/smartasset.com/retirement/find-a-financial-planner" target="_blank"><strong>work with a financial advisor</strong></a></span></span></span></span><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"> report “substantially greater financial security, confidence and clarity than those who go it alone.”</span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 16px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;">The value of </span></span></span></span><span style="color: rgb(18, 121, 253);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"><a data-action="url" data-params="true" href="clkn/https/smartasset.com/retirement/find-a-financial-planner" target="_blank"><strong>working with a financial advisor</strong></a></span></span></span></span><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"> varies by person and advisors are legally prohibited from promising returns, but research suggests average additional investment returns can range from 1.5% to 4% more each year. </span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 16px;"><span style="color: rgb(18, 121, 253);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"><a data-action="url" data-params="true" href="clkn/https/smartasset.com/retirement/find-a-financial-planner" target="_blank"><strong>SmartAsset’s new tool</strong></a></span></span></span></span><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"> makes it easy to find the right financial advisor near you in just a few minutes. Our exclusive, no-cost tool matches you with up to three local fiduciary financial advisors that have passed a rigorous screening process. We confirm each is registered with the U.S. Securities and Exchange Commission (SEC) or the appropriate state regulator, possess the proper licenses and have no pending or valid regulatory disclosures within the past 10 years.</span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 16px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;">Being aware of these seven common blunders when </span></span></span></span><span style="color: rgb(18, 121, 253);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"><a data-action="url" data-params="true" href="clkn/https/smartasset.com/retirement/find-a-financial-planner" target="_blank"><strong>choosing an advisor</strong></a></span></span></span></span><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"> can help you find peace of mind, and avoid years of stress.</span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px;"> <br> <span style="font-size: 24px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 500;"><span style="font-family: Montserrat;">1. Hiring an Advisor Who Is Not a Fiduciary</span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 16px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;">By definition, a fiduciary is an individual who is ethically bound to act in another person’s best interest. This obligation eliminates conflict of interest concerns and makes an advisor’s advice more trustworthy. </span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 16px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;">All of the financial advisors on SmartAsset’s matching platform are registered fiduciaries. If your advisor is not a fiduciary and constantly pushes investment products on you, </span></span></span></span><span style="color: rgb(18, 121, 253);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"><a data-action="url" data-params="true" href="clkn/https/smartasset.com/retirement/find-a-financial-planner" target="_blank"><strong>use this no-cost tool to find an advisor</strong></a></span></span></span></span><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"> who has your best interest in mind.</span></span></span></span></span> <br> <br> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 24px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 500;"><span style="font-family: Montserrat;">2. Hiring the First Advisor You Meet</span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 16px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;">While it’s tempting to hire the advisor closest to home or the first advisor in the yellow pages, this decision requires more time. Take the time to interview at least a few advisors before picking the best match for you. </span></span></span></span></span> <br> <br> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 24px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 500;"><span style="font-family: Montserrat;">3. Choosing an Advisor with the Wrong Specialty</span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 16px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;">Some financial advisors </span></span></span></span><span style="color: rgb(18, 121, 253);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"><a data-action="url" data-params="true" href="clkn/https/smartasset.com/retirement/find-a-financial-planner" target="_blank"><strong>specialize in retirement planning</strong></a></span></span></span></span><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;">, while others are best for business owners or those with a high net worth. Some might be best for young professionals starting a family. Be sure to understand an advisor’s strengths and weaknesses - before signing the dotted line. </span></span></span></span></span> <br> <br> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 24px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 500;"><span style="font-family: Montserrat;">4. Picking an Advisor with an Incompatible Strategy</span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 16px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;">Each advisor has a unique strategy. Some advisors may suggest aggressive investments, while others are more conservative. If you prefer to go all in on stocks, an advisor that prefers bonds and index funds is not a great match for your style.</span></span></span></span></span> <br> <br> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 24px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 500;"><span style="font-family: Montserrat;">5. Not Asking about Credentials</span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 16px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;">To give investment advice, </span></span></span></span><span style="color: rgb(18, 121, 253);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"><a data-action="url" data-params="true" href="clkn/https/smartasset.com/retirement/find-a-financial-planner" target="_blank"><strong>financial advisors</strong></a></span></span></span></span><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"> are required to pass a test. Ask your advisor about their licenses, tests, and credentials. Financial advisors tests include the Series 7, and Series 66 or Series 65. Some advisors go a step further and become a Certified Financial Planner, or CFP.  </span></span></span></span></span> <br> <br> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 24px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 500;"><span style="font-family: Montserrat;">6. Not Understanding How They are Paid</span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 16px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;">Some advisors are "fee only" and charge you a flat rate no matter what. Others charge a percentage of your assets under management. Some advisors are paid commissions by mutual funds, a serious conflict of interest. If the advisor earns more by ignoring your best interests, do not hire them.</span></span></span></span></span> <br> <br> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 24px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 500;"><span style="font-family: Montserrat;">7. Trying to Hire an Advisor on Your Own</span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 16px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;">Chances are, there are several highly qualified financial advisors in your town. However, it can seem daunting to choose one. </span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 16px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;">Our no-cost tool makes it easy to </span></span></span></span><span style="color: rgb(18, 121, 253);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"><strong><a data-action="url" data-params="true" href="clkn/https/smartasset.com/retirement/find-a-financial-planner" target="_blank">find the right financial advisor for you</a></strong></span></span></span></span><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;">. Now you can get matched with up to three local fiduciary investment advisors that have been rigorously screened for regulatory disclosures and to confirm their licenses. The entire matching process takes just a few minutes.</span></span></span></span></span> <br> <br> </p> <p dir="ltr" style="line-height: 26px;"> <span style="font-size: 24px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 500;"><span style="font-family: Montserrat;">Follow These Steps to Get Matched With the Right Advisor for You</span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px; margin-left: 20px;"> <span style="font-size: 16px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"><strong>1</strong>. Simply enter your ZIP code below.</span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px; margin-left: 20px;"> <span style="font-size: 16px;"><span style="color: rgb(102, 102, 102);"><span style="font-style: normal;"><span style="font-weight: 400;"><span style="font-family: Montserrat;"><strong>2</strong>. After you enter your ZIP code and answer questions about your financial goals, you can compare up to three top advisors local to you and decide which to work with.</span></span></span></span></span> </p> <p dir="ltr" style="line-height: 26px; margin-left: 20px;"> <span style="font-family: Montserrat; font-weight: 400; font-style: normal; font-size: 16px; color: rgb(102, 102, 102);"><strong>3</strong>. Enjoy a better financial future!</span> </p> </div> <a class="lp-element lp-pom-button" id="lp-pom-button-424" href="clkn/https/smartasset.com/retirement/find-a-financial-planner" target="_blank" data-params="true"><span class="label">Find Your Financial Advisor</span></a> <div class="lp-element lp-pom-image" id="lp-pom-image-425"> <div class="lp-pom-image-container" style="overflow: hidden;"> <a href="clkn/https/smartasset.com/retirement/find-a-financial-planner" target="_blank" data-params="true"><img src="//web.archive.org/web/20191201082753im_/https://d9hhrg4mnvzow.cloudfront.net/article.smartasset.com/financial-advisor-mistakes-9/transparent.gif" alt="" data-src-desktop-1x="//web.archive.org/web/20191201082753/https://d9hhrg4mnvzow.cloudfront.net/article.smartasset.com/financial-advisor-mistakes-9/58399fb2-checkbox-300x600-unbounce_06x0dt000000000000001.png" data-src-desktop-2x="//web.archive.org/web/20191201082753/https://d9hhrg4mnvzow.cloudfront.net/article.smartasset.com/financial-advisor-mistakes-9/58399fb2-checkbox-300x600-unbounce_000000000000000000001.png"></a> </div> </div> </div> <div class="lp-element lp-pom-block" id="lp-pom-block-8"> <div id="lp-pom-block-8-color-overlay"></div> <div class="lp-pom-block-content"></div> </div> <div class="lp-element lp-pom-block" id="lp-pom-block-195"> <div id="lp-pom-block-195-color-overlay"></div> <div class="lp-pom-block-content"></div> </div> <div class="lp-element lp-pom-block" id="lp-pom-block-208"> <div id="lp-pom-block-208-color-overlay"></div> <div class="lp-pom-block-content"></div> </div> <div class="lp-element lp-pom-block" id="lp-pom-block-16"> <div id="lp-pom-block-16-color-overlay"></div> <div class="lp-pom-block-content"></div> </div> <div class="lp-element lp-pom-block" id="lp-pom-block-411"> <div id="lp-pom-block-411-color-overlay"></div> <div class="lp-pom-block-content"></div> </div> </div>  <script async src="//web.archive.org/web/20191201082753js_/https://builder-assets.unbounce.com/published-js/main.bundle-992d1d7.z.js" type="text/javascript"></script> <script type="text/javascript">Array.prototype.slice .call(document.querySelectorAll('.lp-pom-form form input[name^=ubafs-]')) .forEach(function(input) { input.parentNode.removeChild(input); }); Array.prototype.slice.call(document.querySelectorAll('.lp-pom-form form')).forEach(function(form) { var jevField = document.createElement('input'); jevField.type = 'hidden'; jevField.name = 'ubafs-jev'; jevField.id = jevField.name; jevField.value = JSON.stringify({ date: new Date(), agent: navigator.userAgent, screen: { availWidth: screen.availWidth, availHeight: screen.availHeight, width: screen.width, height: screen.height, }, window: { innerWidth: window.innerWidth, innerHeight: window.innerHeight, }, hasPlugins: 'length' in navigator.plugins && navigator.plugins.length > 0, }); form.appendChild(jevField); }); </script>  <script src="https://web.archive.org/web/20191201082753js_/https://bc984e4a2a54429abc35a327404dd586.js.ubembed.com/" async></script><script id="_agile_min_js" async type="text/javascript" src="https://web.archive.org/web/20191201082753js_/https://d1gwclp1pmzk26.cloudfront.net/agile/agile-cloud.js"> </script> <script type="text/javascript"> var Agile_API = Agile_API || {}; Agile_API.on_after_load = function(){ _agile.set_account('3djgh539tcepkubqeolp863t9v', 'smartasset', false); _agile_set_whitelist('c21hcnRhc3NldA=='); _agile.track_page_view(); _agile_execute_web_rules();}; </script> </body> </html>