Frequently Asked Questions

This FAQ is designed to help you better understand how working with a financial advisor can support your financial goals. Because our directory includes advisors from multiple firms, answers may vary slightly—but we've included general guidance to help you know what to ask and what to expect.

  • Q: What does a financial advisor do?

    A financial advisor helps individuals and families plan for and manage their financial lives. This can include budgeting, retirement planning, investment management, tax strategies, insurance, estate planning, and more. Think of them as your financial guide—helping you make informed decisions and stay on track with your goals.

    Q: How do I know if I need a financial advisor?
    If you're facing a major life event (like retirement, inheritance, divorce, or selling a business), or simply feel unsure about managing your finances confidently, it’s a good time to talk to an advisor. Most offer a no-obligation consultation to help you assess fit.

    Q: Do I need a lot of money to work with an advisor?
    Not necessarily. While some advisors have minimum asset requirements, many offer flexible planning or subscription-based services. The advisors listed on this site represent a range of service models.

    Q: How do I choose the right advisor for me?
    Consider their credentials, specialties, compensation model, communication style, and whether they serve clients with situations like yours. Many of our listed advisors offer introductory calls so you can explore fit before committing.

  • Q: What types of services do financial advisors offer?
    Advisors on our platform offer a wide range of services, including:

    • Retirement planning

    • Investment management

    • Tax strategy

    • Estate planning

    • Insurance guidance

    • College savings planning

    • Business exit planning

    Some advisors focus on comprehensive planning, while others specialize in certain niches like healthcare professionals, business owners, or retirees.

    Q: Can advisors help with both financial planning and investing?
    Yes—many advisors do both. Financial planning sets the strategy (goals, cash flow, etc.), while investing is the tactical execution. Be sure to ask prospective advisors about how they integrate these services.

  • Q: How do financial advisors get paid?
    Advisors listed on our website are fee-only and that means they are paid only by the client (flat fee, hourly, or % of assets under management).

    Q: Are there any hidden costs?
    Advisors should disclose all fees clearly, including third-party costs like fund expenses or custodial fees. Don’t hesitate to ask for a fee schedule.

  • Q: What credentials should I look for?
    We recommend looking for a financial advisor that matches your needs.

    Common credentials include:

    • CPA/PFS (Certified Public Accountant/Personal Financial Specialist): Strong in tax and planning.

    • CFP® (Certified Financial Planner): Known for comprehensive planning.

    • CFA® (Chartered Financial Analyst): Investment-focused.

    Q: What is a fiduciary, and why does it matter?
    A fiduciary is legally and ethically required to act in your best interest. Many—but not all—advisors are fiduciaries. It's a good idea to ask this question during an initial meeting.

  • Q: How often will we meet or check in?
    It depends on the advisor and your needs. Some clients meet quarterly, others annually, and some communicate more often during major life events or market shifts. Ask about the advisor's communication cadence.

    Q: Will I work with the same advisor over time?
    In most cases, yes—continuity and personal relationships are part of the value of independent or boutique advisors. Some larger firms may use a team model, which can offer more specialized support.

  • Q: When should I start planning for retirement?
    Retirement planning isn’t just for people close to retiring. Starting early creates more choices, but even if retirement is near, thoughtful planning can make a significant difference. An advisor helps you build a plan for income, taxes, Social Security, and a lifestyle you feel confident about.

    Q: Do advisors help with estate and legacy planning?
    Yes—many advisors work alongside estate attorneys and tax professionals to help you define your wishes, minimize taxes, and protect your legacy.

  • Q: How do I connect with an advisor on this website?
    Browse our advisor profiles to learn about their services, specialties, and approach. Then contact them directly.

    Q: Can I meet with multiple advisors before choosing one?
    Yes, and it's encouraged. Meeting with a few advisors helps you assess compatibility and find the best fit for your goals and personality.