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Did you know anyone can call themselves a financial advisor?

Or a financial planner, a wealth manager, an investment manager… the list goes on and on.

Believe it or not, these titles have no legal or regulatory meaning. They’re not evidence of experience or education. They’re just marketing tools.

In fact, you could call yourself a wealth manager right now if you wanted!

That’s just one reason why finding a trained, experienced, and legitimate financial advisor who works in your best interest at all times and won’t sell you and products is tough.

The professionals who do a great job are out there. But they’re hard to spot amongst salespeople and agents who work on commission and aren’t legally required to put your interests ahead of their own.

It sounds crazy, but that’s how the industry is currently set up. So it falls on us to understand what to look for when we hire a financial planner — and what mistakes to avoid.

How to Listen to Today’s Episode:

  • Click to Listen via Your Favorite Podcast App
  • Click to Listen in Your Web Browser
Resources:
  • 10 Biggest Mistakes to Avoid When Hiring a Financial Planner [Free PDF Guide]
  • The Bumpy Road to Outperformance [Vanguard Research]
  • Morningstar Website to Locate Your Expense Ratios

10 Mistakes to Avoid When Hiring a Financial Advisor

If you want to get a head start on the podcast, here are 5 of the 10 biggest mistakes you will want to steer clear of:

Mistake #1: Hiring an Advisor Who’s Not a Fiduciary All the Time

One of the most important questions that you can ask any financial professional is, “are you a fiduciary?”

In fact, you should avoid working with any advisor who isn’t a fiduciary. This word means that they’re required — by law — to put your interests ahead of their own.

A fiduciary puts your interests first.

Unfortunately, it’s not always as easy asking the question and getting a “yes” answer. The problem? Some financial advisors act as a fiduciary… sometimes.

There may be times when they operate as a fiduciary. But they might also take that hat off and put on another that holds them to what’s known as the “suitability” standard.

Suitability means they only need to prove that a product is suitable for you. They don’t need to take into consideration fees, quality, or expected investment return of their recommendation.

When advisors work under the suitability standard, it’s possible they’re earning a commission for selling you a product. This should be disclosed to you, but the method of compensation can create massive conflicts of interest.

Just about every big brokerage firm you know by name operates under this suitability standard. Sometimes they act as a fiduciary, but not all the time.

You don’t want to hire an advisor unless they act as your fiduciary 100% of the time.

You can get crystal clear on whether or not an advisor will work with you as a fiduciary at all times by requesting they sign a fiduciary oath on your behalf. If they refuse to sign, keep looking for someone else to provide financial advice.

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Investment Management Retirement Income Retirement PlanningAugust 16, 2022Stay Wealthy Retirement Show
Zero Inflation, Buffer ETFs, and Social Security...

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Investment Management Retirement PlanningAugust 9, 2022Stay Wealthy Retirement Show
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Investment Management Retirement Income Retirement PlanningAugust 16, 2022Stay Wealthy Retirement Show
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Investment Management Retirement Planning Tax PlanningJuly 5, 2022Stay Wealthy Retirement Show
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Investment Management Retirement Income Retirement PlanningAugust 16, 2022Stay Wealthy Retirement Show
Zero Inflation, Buffer ETFs, and Social Security Increases

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The Ultimate Investing Checklist: 7 (Simple) Steps to Measure Your Investment Strategy

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Insurance Planning Investment ManagementJune 28, 2022Stay Wealthy Retirement Show
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Indexed Universal Life Insurance (IUL) is all the rage right now. "10%+ growth potential." "Guaranteed security against market risk." "Tax-free retirement income." These policies are confusing. And they sound WAY  too good to be true. So to get to the...

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Insurance PlanningJanuary 18, 2022Stay Wealthy Retirement Show
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Insurance PlanningDecember 21, 2021Stay Wealthy Retirement Show
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Insurance PlanningJuly 13, 2021Stay Wealthy Retirement Show
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Want to lower your tax bill + improve retirement success? Click Here to Get Your FREE Retirement & Tax Assessment Today I’m tackling part two of our series on Long Term Care (LTC). Specifically, I’m breaking down three big things:...

Insurance PlanningJuly 6, 2021Stay Wealthy Retirement Show
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Estate Planning Investment Management Retirement Planning Tax PlanningJune 21, 2022Stay Wealthy Retirement Show
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Estate Planning Retirement PlanningMay 4, 2022Stay Wealthy Retirement Show
Financial Scam Alert + 3 Ways to Protect Yourself (and Your Loved Ones!)

Today I’m sharing details about a (new) popular financial scam. To help you stay safe, I’m also sharing 3 ways to stay safe and protect yourself. (Hint: your "complex" password may not be as secure as you think. 😲) If...

Estate Planning Investment Management Retirement Income Tax PlanningNovember 23, 2021Stay Wealthy Retirement Show
11 Surprising Facts About Tax Planning, Investing, and Retirement

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Estate Planning Tax PlanningJuly 20, 2021Stay Wealthy Retirement Show
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Today I'm responding to some constructive criticism I received from a listener. 😲 I'm also sharing my conversation with Steve Chen, host of The NewRetirement Podcast. Along with sharing a personal update on having three kids under age 5, we...

Estate PlanningAugust 4, 2020Stay Wealthy Retirement Show
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Estate PlanningJanuary 21, 2020Stay Wealthy Retirement Show
Per Stirpes: How This Funny Word Can Save You From Sending Thousands (or Millions) of Retirement Dollars to the Wrong Beneficiary

Today I'm going to tell you what per stirpes is, in Plain English. Why? Because most retirement investors skip this step when setting up their retirement accounts. And skipping this step can result in thousands (or millions) of your hard-earned...

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The fintech – or "financial technology" industry has grown exponentially since 2014, when users, investors, and regulators began to take note of the burgeoning market. In…

About

About Taylor Schulte

I'm a CERTIFIED FINANCIAL PLANNER™ professional in San Diego and the founder & CEO of Define Financial. When I’m not perfecting financial plans, you can find me traveling with my wife and two sons (Sawyer & Sutton), searching for the next best carne asada burrito, or trying to master Adam Scott’s golf swing.

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Recent Articles

2022 IRMAA Brackets
2022 IRMAA Brackets: What Are They + How to Avoid IRMAA
By: Taylor Schulte May 22, 2022

Today I’m sharing everything you need to know about the 2022 IRMAA Brackets. I’m also sharing: What IRMAA is How IRMAA is calculated The 10 best ways to avoid IRMAA If you want to lower...
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Donor Advised Funds
Donor-Advised Funds: How to Get a Bigger Tax Deduction in 2022
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Today I’m sharing everything you need to know about donor-advised funds. In fact, these simple giving accounts can help you lower your tax bill in 2022. They can also help you give more money to...
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