Consulting the Professionals

摘要

Retirement planning is complicated, with many risks and legal pitfalls. It is worth investing time and money with a financial adviser who specializes in retirement. A little preparation will help you get ready for your first meeting and result in a plan that fits your expectations and goals. Choosing a professional adviser is a very personal decision. You will be trusting this individual with sensitive information about your financial assets and relying on his or her expertise and ability to suggest options that fit your goals. Regardless of how knowledgeable your adviser is, you also need to find someone who will support you as you make decisions that push emotional buttons. Make sure that your adviser is certified, has not been disciplined by any professional board or licensure organization, and will provide two or three references from long-term clients. Then, schedule a consultation, and make sure you are comfortable with the adviser's credentials, ability to explain issues, and sincere interest in creating an individualized plan.