Here are some appropriate responses. Use this information, coupled with the professional's actual responses, to help you select a planner for your insurance and financial service needs.
Some advisers specialize in particular areas such as retirement or business planning.
Financial professionals generally provide a free initial meeting to determine if you wish to work together. Direct access or discretionary authority over a client's assets creates a greater liability for the financial adviser. If you do not wish to grant this authority, be sure your agreement with the adviser clearly states this decision in writing. Many financial plans fail because the financial adviser does not provide assistance beyond the initial planning stage. For this reason, look for a financial adviser who provides ongoing services to advise and assist in your plan's implementation as well as future plan revisions.