{"id":343,"date":"2017-11-22T17:44:21","date_gmt":"2017-11-22T17:44:21","guid":{"rendered":"http:\/\/142.93.18.4\/?p=343"},"modified":"2018-08-22T06:36:15","modified_gmt":"2018-08-22T06:36:15","slug":"10-questions-choosing-financial-advisor","status":"publish","type":"post","link":"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/","title":{"rendered":"10 Questions to Ask When Choosing a Financial Advisor"},"content":{"rendered":"

Choosing a financial planner is a huge decision. You are entrusting them with your personal fortune and depending on them to help protect, preserve, and grow your nest egg for you and your family. Building trust, having good personal chemistry and wanting to work together are critical components to having a successful long-term relationship. As we\u2019ve talked with prospective clients who become clients, we believe it\u2019s really important that you ask and are completely comfortable with the answers to the following questions:<\/p>\n

1. Are you a <\/span>fiduciary<\/span><\/a> and will you put my best interests before yours?<\/span><\/h4>\n

Absolutely, yes.<\/span><\/p>\n

2. What are your financial planning credentials\/designations?<\/span><\/h4>\n

All of us at Financial Freedom are Certified Financial Planner\u2122 professionals. \u00a0We believe this credential is a minimum requirement. \u00a0Additionally, we all have Bachelor\u2019s degrees and founder, Al Osgood Sr.<\/a> has an MBA degree.<\/span><\/p>\n

3.\u00a0How long has your wealth management firm been offering financial planning services?<\/span><\/h4>\n

Financial Freedom has been providing Fee-Only Wealth Management Services for 36 years.<\/span><\/p>\n

4. How are you compensated? Will I receive independent and objective advice that isn\u2019t influenced by your compensation?<\/span><\/h4>\n

We are Fee-Only wealth managers<\/a> which means that the only form of any type of compensation comes directly from our clients. \u00a0We believe this is the best fee model as it provides our clients independent and objective advice free of any hidden agendas or conflicts of interest. \u00a0We develop a mutually beneficial annual retainer relationship which focuses on providing both comprehensive financial planning<\/a> and investment management services.<\/span><\/p>\n

5. Do you provide a comprehensive written financial plan that analyzes my financial situation with specific recommendations?<\/span><\/h4>\n

Yes, and we update the plan on a regular basis. \u00a0We believe it is critically important to develop a written comprehensive financial plan that addresses the key areas of wealth management: \u00a0retirement planning, asset allocation and portfolio management, risk and insurances, cash flow and taxes, college funding, estate planning, and executive compensation benefits. \u00a0This written plan becomes the \u201croad map\u201d for implementing your future life goals and objectives.<\/span><\/p>\n

6. Do you provide an annual performance review and hold yourselves accountable?<\/span><\/h4>\n

Yes. \u00a0As a Wealth Management Firm, we believe that it\u2019s important to review our performance and our relationship on an annual basis to make sure that we are \u201cadding value\u201d to you and your life.<\/span><\/p>\n

7.\u00a0Will you provide references?<\/span><\/h4>\n

Absolutely. \u00a0We believe this is an important part of choosing a financial planner. \u00a0Please call them and ask them any question or concern you may have. \u00a0Ask them about trust levels, sense of urgency, meeting commitments, dedication, help with other family members, and any other questions that you may have. \u00a0<\/span><\/p>\n

8.\u00a0Will you or an associate work with me?<\/span><\/h4>\n

We will. \u00a0We do not believe in \u201chanding off\u201d clients and quite frankly, we want to work with each client directly. \u00a0We want to be meeting with you at your kitchen table, your lake house, your beach property, or wherever is convenient for you. \u00a0<\/span><\/p>\n

9. Do you take custody of my investments?<\/span><\/h4>\n

No. \u00a0Each client has their own individual accounts in their names only. \u00a0We recommend that client accounts are custodied at <\/span>Fidelity Investments<\/span><\/a>.<\/span><\/p>\n

10.\u00a0Do you trade in my account without prior approval?<\/span><\/h4>\n

No. \u00a0We believe that we make the recommendation and you give us the approval to make a change.<\/span><\/p>\n

\n

Financial Freedom, LLC is a wealth management firm<\/a> focusing on comprehensive financial planning<\/a> and investment management<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Choosing a financial planner is a huge decision. You are entrusting them with your personal fortune and depending on them to help protect, preserve, and grow your nest egg for you and your family. Building trust, having good personal chemistry and wanting to work together are critical components to having a successful long-term relationship. As […]<\/p>\n","protected":false},"author":1,"featured_media":126,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"footnotes":"","_jetpack_memberships_contains_paid_content":false,"jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[5],"tags":[9],"jetpack_publicize_connections":[],"acf":[],"yoast_head":"\n10 Questions to Ask When Choosing a Financial Advisor<\/title>\n<meta name=\"description\" content=\"Financial Freedom, LLC is a wealth management firm focusing on comprehensive financial planning and investment management. 1-800-503-9500\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10 Questions to Ask When Choosing a Financial Advisor\" \/>\n<meta property=\"og:description\" content=\"Financial Freedom, LLC is a wealth management firm focusing on comprehensive financial planning and investment management. 1-800-503-9500\" \/>\n<meta property=\"og:url\" content=\"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/\" \/>\n<meta property=\"article:published_time\" content=\"2017-11-22T17:44:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-08-22T06:36:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/finfree.com\/wp-content\/uploads\/2017\/09\/Investment-Management_Long.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"667\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Financial Freedom, LLC\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Financial Freedom, LLC\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/\",\"url\":\"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/\",\"name\":\"10 Questions to Ask When Choosing a Financial Advisor\",\"isPartOf\":{\"@id\":\"https:\/\/finfree.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/finfree.com\/wp-content\/uploads\/2017\/09\/Investment-Management_Long.jpg\",\"datePublished\":\"2017-11-22T17:44:21+00:00\",\"dateModified\":\"2018-08-22T06:36:15+00:00\",\"author\":{\"@id\":\"https:\/\/finfree.com\/#\/schema\/person\/8c917021a8172759e85184c125361a94\"},\"description\":\"Financial Freedom, LLC is a wealth management firm focusing on comprehensive financial planning and investment management. 1-800-503-9500\",\"breadcrumb\":{\"@id\":\"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/#primaryimage\",\"url\":\"https:\/\/finfree.com\/wp-content\/uploads\/2017\/09\/Investment-Management_Long.jpg\",\"contentUrl\":\"https:\/\/finfree.com\/wp-content\/uploads\/2017\/09\/Investment-Management_Long.jpg\",\"width\":1000,\"height\":667,\"caption\":\"wealth management firm\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/finfree.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"10 Questions to Ask When Choosing a Financial Advisor\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/finfree.com\/#website\",\"url\":\"https:\/\/finfree.com\/\",\"name\":\"\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/finfree.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/finfree.com\/#\/schema\/person\/8c917021a8172759e85184c125361a94\",\"name\":\"Financial Freedom, LLC\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/finfree.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/51415a95c51da2946160f730a0e356ee?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/51415a95c51da2946160f730a0e356ee?s=96&d=mm&r=g\",\"caption\":\"Financial Freedom, LLC\"},\"url\":\"https:\/\/finfree.com\/author\/ffllc\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"10 Questions to Ask When Choosing a Financial Advisor","description":"Financial Freedom, LLC is a wealth management firm focusing on comprehensive financial planning and investment management. 1-800-503-9500","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/","og_locale":"en_US","og_type":"article","og_title":"10 Questions to Ask When Choosing a Financial Advisor","og_description":"Financial Freedom, LLC is a wealth management firm focusing on comprehensive financial planning and investment management. 1-800-503-9500","og_url":"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/","article_published_time":"2017-11-22T17:44:21+00:00","article_modified_time":"2018-08-22T06:36:15+00:00","og_image":[{"width":1000,"height":667,"url":"https:\/\/finfree.com\/wp-content\/uploads\/2017\/09\/Investment-Management_Long.jpg","type":"image\/jpeg"}],"author":"Financial Freedom, LLC","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Financial Freedom, LLC","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/","url":"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/","name":"10 Questions to Ask When Choosing a Financial Advisor","isPartOf":{"@id":"https:\/\/finfree.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/#primaryimage"},"image":{"@id":"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/#primaryimage"},"thumbnailUrl":"https:\/\/finfree.com\/wp-content\/uploads\/2017\/09\/Investment-Management_Long.jpg","datePublished":"2017-11-22T17:44:21+00:00","dateModified":"2018-08-22T06:36:15+00:00","author":{"@id":"https:\/\/finfree.com\/#\/schema\/person\/8c917021a8172759e85184c125361a94"},"description":"Financial Freedom, LLC is a wealth management firm focusing on comprehensive financial planning and investment management. 1-800-503-9500","breadcrumb":{"@id":"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/#primaryimage","url":"https:\/\/finfree.com\/wp-content\/uploads\/2017\/09\/Investment-Management_Long.jpg","contentUrl":"https:\/\/finfree.com\/wp-content\/uploads\/2017\/09\/Investment-Management_Long.jpg","width":1000,"height":667,"caption":"wealth management firm"},{"@type":"BreadcrumbList","@id":"https:\/\/finfree.com\/10-questions-choosing-financial-advisor\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/finfree.com\/"},{"@type":"ListItem","position":2,"name":"10 Questions to Ask When Choosing a Financial Advisor"}]},{"@type":"WebSite","@id":"https:\/\/finfree.com\/#website","url":"https:\/\/finfree.com\/","name":"","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/finfree.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/finfree.com\/#\/schema\/person\/8c917021a8172759e85184c125361a94","name":"Financial Freedom, LLC","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/finfree.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/51415a95c51da2946160f730a0e356ee?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/51415a95c51da2946160f730a0e356ee?s=96&d=mm&r=g","caption":"Financial Freedom, LLC"},"url":"https:\/\/finfree.com\/author\/ffllc\/"}]}},"jetpack_featured_media_url":"https:\/\/finfree.com\/wp-content\/uploads\/2017\/09\/Investment-Management_Long.jpg","jetpack_likes_enabled":true,"jetpack-related-posts":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p9oNPu-5x","_links":{"self":[{"href":"https:\/\/finfree.com\/wp-json\/wp\/v2\/posts\/343"}],"collection":[{"href":"https:\/\/finfree.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finfree.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finfree.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finfree.com\/wp-json\/wp\/v2\/comments?post=343"}],"version-history":[{"count":7,"href":"https:\/\/finfree.com\/wp-json\/wp\/v2\/posts\/343\/revisions"}],"predecessor-version":[{"id":629,"href":"https:\/\/finfree.com\/wp-json\/wp\/v2\/posts\/343\/revisions\/629"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finfree.com\/wp-json\/wp\/v2\/media\/126"}],"wp:attachment":[{"href":"https:\/\/finfree.com\/wp-json\/wp\/v2\/media?parent=343"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finfree.com\/wp-json\/wp\/v2\/categories?post=343"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finfree.com\/wp-json\/wp\/v2\/tags?post=343"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}