What questions should I ask a financial advisor?

Working with an advisor

Useful questions cover credentials and fiduciary status, fees and how the advisor is compensated, planning process, who you'll actually work with, and how decisions are coordinated across taxes and investments.

Credentials and structure

Are you a fiduciary at all times? What credentials do you hold? Are you independent or part of a broker-dealer? How are you compensated, and are there commissions?

Process

What does the planning process look like? How often do we meet? Who is on my team? What does your typical client look like?

Coordination

How do you handle taxes? How do you coordinate with my CPA or attorney? How do you handle equity comp / business income / [your situation]?

What people often get wrong

Skipping the fiduciary question
Not asking how fees are calculated and what they include
Hiring based on personality without examining process

What to think about next

Write your top five questions before any meeting.
Ask the same questions to at least two advisors.
Compare answers in writing before deciding.

When to consider working with a CFP®

Working with a CFP® can help when these decisions feel intertwined, taxes, investments, cash flow, and life goals tend to move together, and a planning relationship can offer structure, prioritization, and accountability over time.

Frequently Asked Questions

What's a reasonable fee range?

Fee structures vary, flat fee, hourly, percentage of assets, retainer. The right range depends on what's included; ask for a clear written summary.

Talk to a CFP® who works with high earners.

Connect with a CFP® to help you navigate this decision and build a comprehensive financial strategy.

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See how this decision connects

GWC wealth management · Explore Working With a Financial Advisor