fi.du.ci.ar.y - A Financial Advisor held to a Fiduciary Standard occupies a position of special trust and confidence when working with a client. As a fiduciary, the Financial Advisor is required to act with undivided loyalty to the client. This includes disclosure of how the Financial Advisor is to be compensated and any corresponding conflicts of interest.

Hartman Financial Planning is one of a select group of planners that meet this high standard of conduct.

 

Selecting an appropriate financial advisor can be one of the most important financial decisions you will make.

Some "planners" or "advisors" are really sales people that will sell you products that earn them large commissions, while incidentally providing "planning". What you really want and need is an independant planner who is a Fidicuary that puts your interests first.

.Many factors play a role in finding the best planner for you. Here are a few sample questions to ask planners that you are potentially going to work with:

  1. Why did you become a financial planner?
  2. What is your education and experience as it relates to personal financial planning?
  3. Are you a Fidicuary? (If not, run away!)
  4. What are your areas of specialty?
  5. How are you compensated?
  6. Do you have minimums for assets, account size, annual fees?
  7. Do you provide a thorough written analysis of my financial situation and recommendations?
  8. Do I trust this person?
  9. Do they have any conflicts of interest?
  10. Will they take time with me?

Click here for or a PDF of these questions and more that you can print out use during an interview to note your potential planner’s answers. Or you can send it to an advisor to have them complete.

Click here for a PDF of Bradley Hartman ’s answers to these questions and more.

Click here to go to “Our Services” for our 7 Steps to Success and learn more about the steps involved in the financial planning process.

Here is a Presentation by NAPFA about choosing a financial planner that signs the Fidcuary Oath, as we do at Hartman Financial Planning, your best guarantee that your interests are put first.

Below are three articles of different styles and perspectives with information about financial planning and financial planners.

Lynn O'Shaughnessy writes about different kinds financial planners with some humor.

Time magazine article about financial planning.

An article by Suze Orman about choosing a financial planner.

 


 
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