Por: CF
Questions To Ask Yourself
Before seeking a financial adviser, you should think about your answers to these questions to better understand
your goals and preferences:
Why am I looking for an adviser?
What do I want most from an adviser?
o Trade execution and portfolio monitoring?
o In-depth active management and control?
o Management of all of my assets and financial concerns?
What are my investment objectives?
What is/are my time horizon(s)?
What does risk mean to me? How much risk am I willing to take?
When will I need to draw money out?
What other special circumstances affect my investments?
o Wealth transfer?
o Tax situation?
o Need for current income?
What kind of communication do I want with my adviser?
o Are my needs best met by formal reports, by telephone conversations, or by face-to-face meetings?
o Do I need an adviser who works nearby, or am I comfortable communicating with someone in
another location?
Setting the global standard for investment professionals
Important Questions
© 2010 CFA Institute 2
Questions To Ask a Financial Adviser
Interviewing potential advisers is absolutely appropriate. This list of questions will help you identify an appropriate,
well-qualified adviser who is committed to standards of ethical and professional conduct.
What is your educational background?
What are your professional qualifications?
What is your employment history in the investment industry?
What is your firm’s client turnover rate?
Are you a member of a professional association, such as CFA Institute?
What services do you offer? Retirement planning, investment planning, tax and estate services, insurance, etc.?
What is your fee structure?
o Do you make commissions on the products you sell or have an affiliation with any company whose
products you recommend?
Have you ever been disciplined for unlawful or unethical actions in your professional career?
What is your investment management approach?
How will your approach help me reach my investment objectives?
o What are the performance features, obligations, and risks of the investment you are proposing?
What is your performance history?
How often will you communicate with me?
What regular reports will I receive?
© 2010 CFA Institute 3
Questions an Adviser Should Ask You
It’s the adviser’s job to understand your investment objectives, tolerance for risk, investment constraints, and any
special needs. When meeting with or screening a prospective adviser, the questions he or she asks will tell you a
lot about his or her investment approach and how attentive he or she is going to be to you. Here are some questions
you should expect a financial adviser to ask as you develop your investment goals and strategy:
What are your investment goals?
What does “risk” mean to you?
What personal and professional circumstances affect your financial situation?
How much decline in your portfolio are you willing to accept in a given year?
What are your household income and current savings?
How will losses affect your lifestyle?
What is the time horizon for meeting your goals?
What amount of assets do you want me to manage?
What is your tax situation?
Do you work with other advisers, such as an accountant or estate attorney? Do you need these services?
Do you have any tax or legal strategies in place that affect your investments?
May we coordinate with your other advisers?
How much communication do you like to have with your wealth manager?
Before seeking a financial adviser, you should think about your answers to these questions to better understand
your goals and preferences:
Why am I looking for an adviser?
What do I want most from an adviser?
o Trade execution and portfolio monitoring?
o In-depth active management and control?
o Management of all of my assets and financial concerns?
What are my investment objectives?
What is/are my time horizon(s)?
What does risk mean to me? How much risk am I willing to take?
When will I need to draw money out?
What other special circumstances affect my investments?
o Wealth transfer?
o Tax situation?
o Need for current income?
What kind of communication do I want with my adviser?
o Are my needs best met by formal reports, by telephone conversations, or by face-to-face meetings?
o Do I need an adviser who works nearby, or am I comfortable communicating with someone in
another location?
Setting the global standard for investment professionals
Important Questions
© 2010 CFA Institute 2
Questions To Ask a Financial Adviser
Interviewing potential advisers is absolutely appropriate. This list of questions will help you identify an appropriate,
well-qualified adviser who is committed to standards of ethical and professional conduct.
What is your educational background?
What are your professional qualifications?
What is your employment history in the investment industry?
What is your firm’s client turnover rate?
Are you a member of a professional association, such as CFA Institute?
What services do you offer? Retirement planning, investment planning, tax and estate services, insurance, etc.?
What is your fee structure?
o Do you make commissions on the products you sell or have an affiliation with any company whose
products you recommend?
Have you ever been disciplined for unlawful or unethical actions in your professional career?
What is your investment management approach?
How will your approach help me reach my investment objectives?
o What are the performance features, obligations, and risks of the investment you are proposing?
What is your performance history?
How often will you communicate with me?
What regular reports will I receive?
© 2010 CFA Institute 3
Questions an Adviser Should Ask You
It’s the adviser’s job to understand your investment objectives, tolerance for risk, investment constraints, and any
special needs. When meeting with or screening a prospective adviser, the questions he or she asks will tell you a
lot about his or her investment approach and how attentive he or she is going to be to you. Here are some questions
you should expect a financial adviser to ask as you develop your investment goals and strategy:
What are your investment goals?
What does “risk” mean to you?
What personal and professional circumstances affect your financial situation?
How much decline in your portfolio are you willing to accept in a given year?
What are your household income and current savings?
How will losses affect your lifestyle?
What is the time horizon for meeting your goals?
What amount of assets do you want me to manage?
What is your tax situation?
Do you work with other advisers, such as an accountant or estate attorney? Do you need these services?
Do you have any tax or legal strategies in place that affect your investments?
May we coordinate with your other advisers?
How much communication do you like to have with your wealth manager?
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