How To Choose a Financial Planner

Simple Checklist Handout
Use this checklist to help you confidently select the right financial planner for your needs.
✔ Credentials & Licensing

• ☐ Properly licensed to provide financial advice
• ☐ Holds professional certifications (CFP®, CPA, CFA, ChFC)
• ☐ In good standing with regulatory agencies

✔ Experience & Specialization

• ☐ Experience working with clients like me
• ☐ Specializes in my financial goals (retirement, investing, tax planning, estate planning, etc.)
• ☐ Proven track record and client references

✔ Compensation & Fees

• ☐ Clearly explains how they are paid
• ☐ Fee-only, commission-based, or hybrid model disclosed
• ☐ No hidden fees or conflicts of interest

✔ Services Offered

• ☐ Financial planning & goal setting
• ☐ Retirement planning
• ☐ Investment management
• ☐ Tax strategies
• ☐ Estate & legacy planning
• ☐ Insurance guidance

✔ Communication & Trust

• ☐ Easy to reach and responsive
• ☐ Explains concepts clearly and simply
• ☐ Listens to my concerns and goals
• ☐ Makes me feel comfortable and confident

✔ Personal Fit

• ☐ Values align with mine
• ☐ Comfortable working relationship
• ☐ Takes time to understand my full financial picture

Smart Questions To Ask a Financial Planner

• How are you compensated?
• What experience do you have with clients like me?
• What services are included in your fees?
• How often will we review my plan?
• Are you a fiduciary — required to act in my best interest?