Why Hire A Retirement Plan Consultant? 
Retirement is more critical than ever . There are a myriad of options . But first you have to establish your financial profile and risk tolerance as a saver or investor . Secondly , you need to establish the planning goals . Once you 've done your homework , then its time to start the financial adviser interview . The first characteristic is to only interview advisers who are life insurance , annuity and security licensed so you have access to a variety of products . You want an adviser with experience and a good reputation in your community . Third party referrals are necessary . The adviser should have basic knowledge of taxation , social security and Medicare . 