Whether you are dealing with major life changes, planning for retirement, or simply deciding where to invest and save your money, a CERTIFIED FINANCIAL PLANNER™ can help you navigate all aspects of your finances.  

CFP® professionals have completed extensive training and are held to the highest ethical and educational standards. They understand the complexities of the changing financial climate and will make financial planning recommendations in your best interest.

No matter where you are in life, you’ll find confidence in working with a CFP® professional to evaluate your finances and develop a comprehensive plan for your financial future.

Selecting a Financial Planner:
Most individuals interview potential financial advisers before making a final selection as to who is best suited to help them.

But what questions should you ask?

The Interview:
Typically, financial planners will offer a free initial one-hour consultation during which a preliminary screening is done of your information in order to determine whether the firm will accept you as a client. At the same time, you should be using this free interview to screen the potential adviser to see if he or she is someone you will trust and with whom you would feel comfortable.

Background and Education:

  •  Educational background
  •  Financial Planning education and designations
  •  How long has the planner being providing services?
  •  What organizations do they belong to?
  •  Any regulatory disciplinary actions?

Services provided:

  • Cash management
  • Investment management
  • Retirement planning
  • Tax planning
  • Estate planning
  • Insurance needs including life, disability, health and property/casualty
  • Other

How is firm compensated, fee only, commission only or a combination of both.

  • Hourly rate
  • Flat fee or range of fees
  • Percentage of Assets – which ones
  • Commission only
  • Fee and commission
  • Fee offset (a flat fee offset by commissions charged)
  • Performance fees

Is the planner a Registered Investment Advisor (RIA) who is registered with SEC or registered with State.

This information is designed to help you choose and evaluate a financial adviser. However, it is by no means foolproof.

In addition, keep in mind that just because an individual receives commissions does not mean he/she will not be a good financial adviser. You will need to make this judgment for yourself because a good relationship with generally result in a good plan!