Now more than ever, it matters who you work with.

In the financial services industry, people call themselves many things.  It's hard to tell the good guys from the bad from their titles alone.  Most of the terms are generic and mean nothing.  It’s a grey area, which means you have to know who you’re working with.  Are they working in your best interest?

OK.  So what should  I look for in an advisor?

  1. Certified Financial Planner (CFP®) who actually does financial planning
  2. No broker/dealer affiliation or sales licenses
  3. An independent custodian relationship (like TD Ameritrade, Schwab, Fidelity)
  4. Decades of experience
  5. Clean regulatory record
  6. Someone you are comfortable talking to