questions to ask a financial advisor before investing in a mutual fund
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Questions to ask a financial advisor before investing in a mutual fund mercredi inc is considering investing in silver

Questions to ask a financial advisor before investing in a mutual fund

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Questions to ask a financial advisor before investing in a mutual fund Others may work specifically with business owners or people in a certain professional fields, such as doctors or university employees. Fee-based advisers charge an upfront fee but they also get a commission for selling financial products. Our opinions are our own. That's a major problem and reeks of a lack of transparency. And even though advisors must obtain licenses if they're selling securities, and pass tests and log work experience if they want to earn certain credentials such as the certified financial planner designationthere aren't any minimum standards in place for calling yourself a financial advisor.
Questions to ask a financial advisor before investing in a mutual fund Yaron silberberg weizmann forex

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I want personalized financial advice, but don't need to meet my advisor in person. There are a crop of services offering online financial planning for less than you'd pay a traditional in-personal financial advisor or financial consultant. These companies provide complete investment management and holistic financial planning; the major difference is that you'll meet your advisor virtually — by phone or video chat — rather than in a local office.

Most services pair you with a dedicated advisor or certified financial planner; some less-expensive options offer access to a team of advisors. I want a local advisor or a wider array of financial advice: On the other hand, if you want in-person financial planning or have a more complex situation, you may decide a traditional local financial advisor is right for you.

Not sure? Check out our cheat sheet for how to choose a financial advisor. If you think exploring a relationship with a traditional financial advisor is the right move, be sure to ask these 10 questions during the interview process.

A fiduciary works in the best interest of the client. Advisors can use a variety of fee structures. To keep it simple and avoid conflicts of interest, focus on fee-only advisors. Some of the questions here are from her book. If cost is a concern, you may want to go with a low-fee robo-advisor or an online planning service like those mentioned above. Fees can decimate your savings over time. Financial professionals can have a confusing list of initials behind their names.

And whether a finance professional goes by " investment advisor " or has the CFP designation, it's your job to vet them. The Financial Industry Regulatory Authority's professional designations database will tell you what they mean; if there are any education requirements; if anyone accredits the designation; whether there's a published list of disciplinary actions; and if you can check professional status.

You can also use a Form ADV to check an advisor's record. Put another way: How much access will you have to the advisor? Learn more about what financial advisors do and what you can expect from the relationship. It's also important to make sure you and your advisor align on investment style. For example, if impact investing is important to you, you may want to ask whether or not your advisor will be able to help you create a portfolio that aligns with your values.

Learn about impact investing. Also ask: Who are your typical clients? Find an advisor who is used to a situation like yours and able to help you meet your goals. Your asset allocation is how you create a diversified portfolio. Your portfolio should include domestic and international stocks, and small-, mid- and large-cap companies. That provides an important safety check. This helps ensure the advisor has your tax bill in mind when making financial decisions.

You may for example pay one fee-level for purely digital advice, and a higher fee if you want access to financial experts. When you select a traditional financial advisor, the level of service you can expect to receive may be a little more murky.

It is better to define the terms of communication ahead of time so you are not left in the lurch when your money has already been invested in a diversified portfolio and it is costly to make changes. When the rubber meets the road, you want your financial advisor to be a rock of support.

Investing can be an emotional business at the best of times with greed and fear often sweeping aside rationale and leading to poor decision-making if you are not careful. You want to be sure your financial advisor has seen the ups and downs of market cycles, experienced economic booms and recessions, and navigated a steady course throughout. Ideally, you want your financial advisor to be passionate about what they do, so you can be confident that they are constantly monitoring your portfolio when your attention is focused on your career.

Your financial advisor is licensed right? Well, you would hope so, but if you ever saw any of the frightful American Greed episodes on TV where con-artists persuade unsuspecting clients to hand over their life-savings despite holding no official credentials, you will know it is best to ask ahead of time for licenses than to be sorry later. If you are approaching retirement, an annuity can sound very appealing. What you may not know is that your financial advisor and the annuity company are in cahoots so-to-speak where the advisor gets a very generous kickback from the annuity company after you hand over your hard-earned savings.

Not all annuities are equal and not all financial advisors earn hefty sums from pitching annuities, but you should at the very least ask some probing questions before signing any documents. A fiduciary is a person who acts in your best interests. Acting in your best interests is a higher standard of care than finding suitable investment products. Take the example of the annuity sale.

By contrast, a fiduciary may recognize that the income stream from the annuity is suitable, but to act in your best interests, another investment that pays a steady dividend stream and keeps more money in your pocket is a better choice. And many stem from the absence of an independent custodian. Ask your financial advisor the question, who is your custodian?

Shocking as it may seem in this day and age, not all brokerage platforms provide dashboards that let you see basic information, such as your portfolio performance over time. Make a list of the top 3 things you know you will want to see when you log on to your brokerage account, such as portfolio performance, tax documents, and fee reporting.

Then verify with your financial advisor that these, and others that are important to you, are accessible to you via your online portal. It can be expensive transferring assets from one advisor to another, so it is best to do a test-run to see what information you will have access to ahead of time. Some financial advisors demand that you transfer cash as a new client so that they can build a portfolio for you from scratch.

But what if you had invested in Alphabet stock or Facebook stock when they came public and you are sitting on large unrealized gains? By selling these stocks , you may incur very significant tax liabilities, whereas if your assets had been transferred in-kind, the stocks would have never been converted to cash and no tax events would have taken place. So, be sure to figure out whether your portfolio of stocks, bonds, ETFs , and any other products are transferred in-kind, or need to be encashed first.

If you have a history investing only in stocks, mutual funds have some surprises in store for you and they are not all pleasant. The idea behind a mutual fund is to diversify your holdings more easily than buying stocks or bonds individually.

Instead of buying thirty individual stocks for example, you could simply purchase a mutual fund featuring those stocks. Companies like Motif make it easy to customize your own selection of stocks to form a motif , which mimics a mutual fund. But the ease of investing in a diversified portfolio is offset to some extent by a couple of factors not seen when investing in stocks:. When you hold a stock, you may own it forever without paying any ongoing fees. But when you buy a mutual fund, the manager must be paid to oversee the fund, and operating expenses must be paid too from the expense ratio charge.

Over time, these fees can add up and hurt long-term performance. It is also theoretically possible to buy a mutual fund in mid-December of a given year and be hit with a large tax bill the very next day. So, if your financial advisor does invest in mutual funds on your behalf, ask them what the expense ratios of those mutual funds are and what tax liabilities you should expect to pay, if any. Financial advisors face a bit of a dilemma. To make more money, they need to take on more clients, but the more clients they take on, the harder it is to deliver quality service.

Now, if you join a firm that has many advisors, they may obviously be able to handle many more clients, but any single advisor is probably limited to about clients. Big, brand name firms often serve fewer clients because they target ultra-wealthy individuals who demand more attention. But for the ordinary Joe or Jane, an advisor will probably be tapped out when that threshold is met.

So, if your advisor tells you they have more than clients, you should ask them how much attention they will give to your portfolio. After all, if they serve more than clients, they can probably only attend to your portfolio for at most a couple of days a year unless they use standardized model portfolios that are similar across all client portfolios.

And if they have just 5 or 10 clients, you might want to ask how much experience they have investing money on behalf of others because they might be new to the business. Robo-advisors rely on computer algorithms to build client portfolios so they are not limited to the same extent as are human advisors. If you are investing your money with a financial advisor who has a single person practice, you should make sure to ask them what happens to your money if something happens to them.

Also, if your financial advisor has more than a few grey hairs, you might want to ask them what their succession plan is and how they will transition assets to a new advisor when they retire. Handing over a financial advisory practice can be a sticky business because the financial advisor selling will almost certainly value the practice more than the buyer will and so negotiations can stall.

The last thing you want is for your assets to be in limbo and not managed while your financial advisor is distracted negotiating a succession plan. Some clients are hands-off and want their financial advisor to not bother them unless absolutely necessary. Others prefer to be involved in every decision.

When you meet with your financial advisor, ask them what the profile of their clients is — are they hands-off? What age are they? What is their average risk profile? An off-the-shelf solution is not right for everyone, so if your financial advisor has a cookie-cutter approach to serving clients, you might want to look elsewhere if you are getting close to retirement.

Regardless, make sure that you and your financial advisor have similar objectives for your portfolio so that your working relationship will be a mutual fit. Search for:. Personal Capital Re