Define your financial goals
Identify the services you need
Choose a fiduciary advisor
Check licenses and credentials
Verify regulatory history
Review experience and specialization
Understand the fee structure
Avoid commission-only conflicts
Compare multiple advisors
Ask about investment philosophy
Review communication style
Confirm client minimums
Request a written agreement
Ask for references
Check online reviews
Evaluate transparency
Confirm custody arrangements
Understand how performance is reported
Assess tax-planning knowledge
Choose someone you trust